An SR-22 is not an insurance policy — it is a certificate your insurer files with the Texas DPS to prove you carry the required liability coverage. People need one after a DUI/DWI, multiple violations, an at-fault accident without insurance, or to reinstate a suspended license. We file SR-22s (and FR-44s where needed) quickly and find you the carrier that prices SR-22 drivers the most competitively — because rates for the exact same filing vary a lot between companies.
Who this is for
License reinstatement
Court- or DPS-ordered filing to get your driving privileges back.
After a DUI/DWI
We work with carriers that handle high-risk filings without gouging you.
No-license SR-22
Need an SR-22 but do not currently hold a license? We have options.
What it covers
- Same-day SR-22 filing with Texas DPS
- Operator, owner, and operator-owner filings
- SR-22 for non-owner (no car) drivers
- Low-down-payment monthly plans
- Shopped across multiple high-risk carriers
- Help tracking your filing period to drop it on time
What an SR-22 actually proves
An SR-22 certifies to the Texas Department of Public Safety (DPS) that you carry at least the state’s minimum liability coverage. In Texas that means 30/60/25 — $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage. Your insurance company files the certificate electronically and agrees to notify DPS if your policy ever lapses or cancels.
Because it’s tied to your policy rather than being a policy itself, the SR-22 simply rides along with the auto coverage you buy. The real cost isn’t the filing — it’s the higher premium that comes with being classified high-risk. That’s exactly where an independent agent helps: we shop the carriers that price high-risk drivers fairly instead of accepting the first surcharged quote.
Why you might need an SR-22 in Texas
Texas DPS or a court typically orders an SR-22 after one of these:
- A DWI or DUI conviction
- Driving without insurance — especially after an accident
- Multiple serious traffic violations in a short period
- A license suspension or revocation you need to reinstate
- At-fault accidents while uninsured
How much does an SR-22 cost in Texas?
The SR-22 filing fee itself is small — usually $15 to $50, a one-time charge. The bigger number is your premium: because the SR-22 is triggered by a serious violation, high-risk auto rates in Texas can run well above standard pricing, sometimes into the thousands per year.
The good news is that two carriers can charge very different premiums for the exact same filing. Some insurers specialize in high-risk drivers and price them reasonably; others effectively price you out. We put your profile in front of multiple high-risk markets and find the one that treats your situation fairly, with low-down-payment monthly plans so you’re not paying a year up front.
How long do you have to carry an SR-22?
Texas generally requires you to maintain the SR-22 for two years from your conviction or eligibility date, and certain offenses (like a DWI) can extend that. The single most important rule: don’t let your coverage lapse. If your policy cancels during the filing period, your insurer notifies DPS and the clock can reset — costing you more time and money.
We help you track your filing period and renewal dates so the SR-22 stays continuously in force and drops off exactly when it should, not later.
Owner, non-owner, and operator filings
There’s more than one kind of SR-22. An owner filing covers a vehicle you own; an operator (non-owner) SR-22 satisfies the requirement when you drive but don’t own a car; and an operator-owner filing covers both. Texas also recognizes the SR-22A, which involves a cash or bond deposit in specific cases.
Not sure which one your situation calls for? Tell us what the court or DPS letter says and we’ll match you to the right filing — including non-owner SR-22s, which we write regularly for drivers between vehicles.