An SR-22 is not an insurance policy, it’s a certificate your insurer files with the Texas Department of Public Safety (DPS) to prove you carry at least the state minimum liability coverage of 30/60/25. Drivers in New Braunfels and across Comal County usually need one after a DWI, driving without insurance, multiple violations, or to reinstate a suspended license, and Texas typically requires it for two years. We file SR-22s (and FR-44s where needed) the same day and find the carrier that prices high-risk drivers most fairly, because the rate for the exact same filing varies 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 e-filing with Texas DPS, often within the hour
- Operator, owner, and operator-owner filings
- Non-owner (no-car) SR-22, often a lower-cost option
- Low-down-payment monthly plans
- Shopped across multiple high-risk carriers
- FR-44 and SR-22A filings where required
- Help tracking your two-year period so it drops off 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 and agrees to notify DPS if your policy ever lapses or cancels.
We file the certificate electronically with the Texas DPS, usually the same day, often within the hour, instead of mailing paper forms to Austin, which can delay your reinstatement by weeks. Because the SR-22 is tied to your policy rather than being a policy itself, it simply rides along with the auto coverage you buy. For a plain-English walkthrough, see our guide to SR-22 insurance in Texas.
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 to get an SR-22 in New Braunfels
Getting filed with us is quick, most drivers are covered and filed the same day:
- Call 830-415-4971 or request a quote and tell us what your DPS or court letter requires.
- We shop multiple high-risk carriers and compare SR-22 rates for your exact situation.
- Pick a plan and bind your policy, often with a low down payment.
- We e-file your SR-22 with the Texas DPS electronically, usually the same day.
- Pay your state reinstatement fee and keep your coverage continuous for the full two years.
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 commonly run from roughly $1,500 to $3,000+ a year, depending on your record and carrier.
Here’s the key: two carriers can charge very different premiums for the exact same filing. The “cheapest” SR-22 isn’t a single company, it’s whichever high-risk market prices your specific record best. We put your profile in front of multiple markets and find that one, 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 or lapses, even for a single day, your insurer must notify DPS, your license can be re-suspended, and the two-year 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 is often the cheaper option; 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.
Why file your SR-22 with a local independent agent
A high-risk storefront can file an SR-22, but as an independent New Braunfels agency we shop multiple carriers for your lowest real cost, and we can move you back to standard auto rates the moment your record allows, instead of leaving you on a surcharged non-standard policy forever. You also get a local agent who answers, and the rest of your home and auto coverage handled in one place.