SR22 Insurance Texas: The Ultimate Guide

Have you been required by the state of Texas to get SR22 insurance? Are you wondering what it is, how to get it, and what it will cost you? Look no further. This guide will cover everything you need to know about SR22 insurance in Texas, including frequently asked questions and helpful tables.

What is SR22 Insurance?

First things first, what is SR22 insurance? Essentially, it is a form of car insurance that is required by the state of Texas for individuals who have had their driver’s license suspended or revoked.

This insurance lets the state know that the driver is financially responsible and has the minimum required amount of insurance. It is not an actual insurance policy, but rather a form that your insurance company files with the Texas Department of Public Safety (DPS).

Why Do I Need SR22 Insurance?

There are several reasons why you may need to get SR22 insurance in Texas:

1. You were convicted of a DUI or DWI
2. You were caught driving without insurance
3. You were in an accident and did not have insurance
4. You have too many points on your driving record
5. You have a suspended or revoked driver’s license

If you fall into any of these categories, the state of Texas will likely require you to get SR22 insurance before you can have your driver’s license reinstated.

How Do I Get SR22 Insurance in Texas?

Getting SR22 insurance in Texas is a fairly straightforward process:

1. Contact your current insurance provider or shop around for a provider that offers SR22 insurance
2. Purchase the minimum required amount of liability insurance
3. Ask your insurance provider to file the SR22 form with the DPS

Once your insurance provider files the SR22 form, you should receive a letter from the DPS confirming that you now have SR22 insurance. Keep this letter in a safe place, as you may need to provide it as proof of insurance in the future.

How Much Does SR22 Insurance Cost in Texas?

The cost of SR22 insurance in Texas can vary depending on several factors, including:

• Your driving record
• Your age and gender
• Your location in Texas
• The type of vehicle you drive
• The amount of coverage you need

On average, you can expect to pay around $300 per year for SR22 insurance in Texas. However, your actual cost may be higher or lower depending on your individual circumstances.

Frequently Asked Questions About SR22 Insurance in Texas

Q: How long do I need to have SR22 insurance in Texas?

A: You will likely need to have SR22 insurance for a minimum of two years. However, this can vary depending on the reason why you were required to get SR22 insurance.

Q: Can I still drive if I have SR22 insurance?

A: Yes, as long as your driver’s license is not currently suspended or revoked.

Q: What happens if I let my SR22 insurance lapse?

A: If you let your SR22 insurance lapse, your insurance provider is required to notify the DPS. This can result in your driver’s license being suspended or revoked.

Q: Do I need to get SR22 insurance if I move to Texas from another state?

A: If your driver’s license was suspended or revoked in another state, you will likely need to get SR22 insurance in Texas. However, if you move to Texas and do not have a prior requirement for SR22 insurance, you will not need to get it.

SR22 Insurance Texas Tables

Now you know everything you need to know about SR22 insurance in Texas. Remember to shop around for the best rates and compare quotes from multiple insurance providers. And always drive safely!