Even the best drivers make mistakes sometimes. If your mistakes caused your driver’s license to get suspended or revoked, you may be required to obtain an SR-22, also known as a Certificate of Financial Responsibility. For Texas drivers, an SR-22 form isn’t difficult to get, but it may require some financial preparation.
SR-22 insurance in Texas
An SR-22 essentially tells the DMV, or the State of Texas, that the insurance company who issued it certifies that you have at least the minimum amount of car insurance required and you’re prepared financially in case of an accident or claim.
It can be easy to confuse an SR-22 with car insurance. Although you need car insurance before you can get an SR-22 declaration, they are separate entities. In fact, one reason drivers need an SR-22 is if they were caught driving without insurance.
Cost of SR-22 insurance in Texas
SR-22 is a certificate, which typically costs around $15-$25, but is only necessary because a severe infraction on your driving record resulted in a suspension or revocation of your license. Because of this “SR-22 insurance” is better understood as rates that reflect the infraction.
Consider the numerous traffic violations, the DUI or accident you caused that led to your license being suspended. These incidents are added to your driving record and typically remain there for two years in Texas.
An insurance company will check your driving record before they issue you an auto insurance policy. Speeding tickets, traffic violations and accidents will mean your car insurance will be more expensive than someone with a clean history. Until the violations fall off your record, you’ll be considered a high-risk driver and will generally pay much higher rates on your car insurance.
In addition to the cost of the SR-22 certificate, and a probable insurance rate increase, you’ll also need to pay a $100 license reinstatement fee to the Texas Department of Public Safety.
Once you order an SR-22, you need to stay on top of your car insurance payments for the next two years. If you fail to make your payments and your car insurance gets cancelled, the car insurance company will report you and your driver’s license could be suspended or revoked again.
Non-owner SR-22 insurance for Texas drivers
If you’d like to reinstate your driver’s license but you don’t have a car to insure to even receive an SR-22, there is a workaround. You’ll still be required to have insurance, but you can buy a non-owner car insurance policy. The policy will insure you, regardless of what car you drive. Once you have a non-owner auto insurance policy in your name, the insurance company can issue an SR-22 Texas declaration and you can get the process started to have your driver’s license reinstated.
Frequently asked questions
How much does an SR-22 form cost?
An SR-22 certificate costs between $15-$25. As the need for an SR-22 form reflects a major infraction resulting in the suspension or revocation of your license, your auto insurance rate will likely be higher.
How do I get an SR-22 form in Texas?
To get an SR-22 form in Texas, you’ll need to contact an insurance carrier that issues them. Geico, Progressive, USAA, American Family and Safeco are some of the companies that sell car insurance and issue SR-22s. If you have insurance, you only need the SR-22. If not, you’ll need to obtain car insurance before the SR-22 can be issued.
Can I cancel insurance after I get my license back?
Texas requires you to maintain an SR-22 for two years, and in order to drive legally, you must always have minimum liability coverage.
How can I get my Texas driver’s license reinstated?
Once you have an SR-22, you can submit it and pay a $100 reinstatement fee to the Texas Department of Public Safety. Depending on the severity of the infraction that resulted in the suspension or revocation of your license, other requirements may also apply. Contact your local DMV for more information.