INSURANCE · TEXAS
SR-22 Filings in Texas
Need an SR-22 to get your license back? We find a carrier that files it with Texas DPS for you.
What it covers
What an SR-22 is
A certificate your insurance company files with Texas DPS to prove you carry at least the state minimum liability. It is not a separate type of insurance.
Owner SR-22
For drivers who own a vehicle. The policy covers your listed vehicles.
Non-owner SR-22
For drivers who do not own a vehicle but still must file one (DPS).
SR-22A
A certificate showing the policy is prepaid for at least 6 months, required in some crash and security-deposit cases (DPS).
Who needs it in Texas
- Texas DPS requires an SR-22 after things like a crash-related suspension, a second or later conviction for driving without insurance, or an unpaid civil judgment from a crash.
- You must keep it for 2 years from your most recent qualifying conviction, or from the date the judgment was rendered (DPS).
- The policy must meet the Texas minimum liability of 30/60/25: $30,000 per person, $60,000 per accident, $25,000 property damage.
- If it lapses, your insurer notifies DPS, your license can be suspended again, and you will need a new SR-22 plus a $100 reinstatement fee (DPS).
Common questions
How long do I need an SR-22 in Texas?
Two years from the date of your most recent conviction that requires it, or from the date a judgment was rendered (DPS).
Can I just send DPS my insurance card?
No. DPS does not accept a card or policy in place of an SR-22. Your insurer must file the certificate (DPS).
I do not own a car. Do I still need one?
Yes, if DPS requires it. You can get a non-owner SR-22 policy (DPS).
What happens if my SR-22 lapses?
Your license can be suspended again, and you will need a new SR-22 and a $100 reinstatement fee (DPS).
If I file late, does the 2 years restart?
No. It counts from the conviction date, so if you file a year late you generally need it for one more year, unless a new conviction extends it (DPS).
How AVYRO helps
- Tell us what you need to cover, by phone or online.
- We compare options from our appointed carriers.
- You pick the coverage, and we handle the paperwork.
Carriers we work with
Availability depends on the carrier, your location and underwriting. We will tell you which carriers can quote you.
Sources: Texas DPS: SR-22 · Texas DPS: SR-22 FAQ · Texas Admin. Code §25.6 · TDI: Motorcycle and auto minimums
AVYRO Insurance & Tax is a licensed Texas insurance agency (TX Lic #3366212), not an insurance company. Coverage, rates and eligibility are set by the issuing carrier and are subject to underwriting. Quotes are estimates until a policy is issued. Not all carriers or products are available in all areas. This page is general information and does not change any policy terms; your policy controls. Rules can change, so check the sources above. Not legal advice. We never ask for your Social Security or driver’s license number through this site.
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