SR-22 Insurance in Texas
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If you commit a serious driving offense, you may be required to get SR-22 insurance. Often confused as being a type of car insurance policy, SR-22 insurance is a certification that your insurance provider files. It confirms your insurance policy meets your state’s required coverage for high-risk drivers, and you may need this type of certificate before you can reinstate your license. If you live in Texas, you’ll need to meet the specific requirements for SR-22 in Texas.
Texas requires SR-22 insurance for certain high-risk drivers. If you’ve committed a serious offense like driving under the influence, driving without insurance, driving with a revoked license, or even failing to pay child support, your license may be revoked. To reinstate it, you’ll need SR-22 insurance.
In most cases, Texas requires high-risk drivers to carry SR-22 insurance for two years. You must also pay a fee to reinstate your license, and you must maintain uninterrupted car insurance coverage during the two years when you’re required to have SR-22. Once you’ve completed the two years, your insurance company will need to file a financial responsibility cancellation that confirms you’ve fulfilled your SR-22 requirements before you can change your car insurance.
The cost of SR-22 insurance in Texas will depend on several factors, including the type of coverage you choose. For example, you may be able to save money by choosing minimum coverage. Full coverage gives you extra protection, but will cost more. Other factors, including your driving record, the value of your vehicle, and your policy deductible will also affect your car insurance premiums.
Since SR-22 is for high-risk drivers, your car insurance will cost more than what a driver with a clean driving record would pay for the same policy. To lower your costs, you can shop around and compare quotes. You can also focus on maintaining a clean driving record. In time, your traffic violations will eventually be removed from your driving history, and you may be eligible for lower car insurance rates.
SR-22 certificates are specialized, and some insurance providers don’t provide SR-22 insurance. You can contact your current insurance company and ask them to file the SR-22, but if the company doesn’t file SR-22 certificates, you will need to shop around.
You can get SR-22 insurance in Texas online by requesting car insurance quotes and shopping around for the best coverage. Once you find companies that offer SR-22 insurance, you can choose the policy that’s right for your needs and that meets the minimum requirements in Texas. Be prepared to pay a fee of $15 to $25 for your insurance company to file an SR-22 form.
Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
