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Texas SR22 Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 11/28/2014

Texas SR22 Insurance is an additional form of liability insurance required by the Texas Department of Insurance.

texas sr22 insurance

Texas SR22 insurance can get you back in the right direction.

Texas SR22 insurance shows the state that you have the required minimum liability insurance that is needed to drive legally in Texas. Although most people call it SR22 insurance, Texas also refers to it as a Financial Responsibility Insurance Certificate.

SR22 insurance is not something that is needed by all drivers, only certain ones that have been advised that they will need to carry it.

Why Would You Need Texas SR22 Insurance?

You need Texas SR22 insurance if you have had any of the following happen to you:

  • Your license has been suspended due to a conviction, judgment or a car accident
  • Your license has been revoked due to a conviction, judgment or a car accident

However, if you have had any of the above happen don’t automatically assume that you will need to get Texas SR22 insurance. You will always be told if you need to have it, and if they don’t say anything then you don’t need to have it.

Additional Texas Car Insurance Coverage

Texas SR22 insurance is a coverage that is required on top of your regular Texas car insurance policy for your vehicle. Because it is an additional insurance coverage, it means that you will be paying more for your insurance coverage than you did before you were required to carry the SR22.

In addition to the SR22 insurance, to meet the minimum insurance requirements in the State of Texas your base insurance policy must still include the following:

  • $25,000 in property damage liability coverage
  • $30,000 in bodily injury liability coverage to cover one person
  • $60,000 in bodily injury liability total coverage to cover all injured parties

If you do not own a vehicle, but still want to drive, you will need to get a non-owner SR22 policy.

The Cost of SR22 Insurance in Texas

Just like with your regular car insurance premium, the insurance company decides how much they are going to charge their clients for SR22 insurance. This means that the cost will vary from one insurance company to the next, so there is no flat rate to be able to depend on for the cost.

To find out how much your newly required SR22 insurance in Texas will be, you will have to call around to different insurance companies and insurance agents to find out. Also, just like with your regular car insurance, don’t settle on the first quote you get. Always shop around to make sure you are getting the best price for your coverage.

How Do You Get Texas SR22 Insurance?

Texas SR22 insurance is purchased through your car insurance agent, as long as your agent or provider has to be authorized to write liability insurance for the State of Texas. Once you have to have SR22 insurance, you have to keep it active for two years.

If at any time the Texas Department of Insurance receives notification that your Texas Sr22 insurance has lapsed, terminated or been canceled, you driver’s license and vehicle registration may be suspended.


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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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