First Conviction
- Not listed by Texas DPS as an SR22 trigger on its own.
- Other penalties may still apply, so check your court paperwork.
- A great time to get insured and stay insured.
- Another conviction later could trigger the SR22.
Texas No-Insurance Tickets
SR22 After a No-Insurance Ticket in Texas
A second no-insurance conviction in Texas usually means an SR22. Learn when it's required, the exception that can waive it, and how to get your filing started.
☎ Call 888-577-7217Talk to a licensed agent about SR22 coverage after a no-insurance conviction.
Second or Later Convictions
Texas 30/60/25 Liability
Licensed Agent Assistance
Quick Reference
No-Insurance SR22 in Short
Texas takes repeat uninsured driving seriously. Here's what a second no-insurance conviction means for your license.
What Triggers It
A second or subsequent conviction for No Motor Vehicle Liability Insurance.
The Exception
If you had insurance at the time, proof of insurance can waive the SR22.
How Long
Two years from the date of the conviction.
Minimum Coverage
Texas 30/60/25 liability limits.
Not Accepted
An insurance card or policy can't replace the SR22 filing.
Who Files It
Your insurance company provides the SR22 to Texas DPS.
Understanding the Requirement
Why a No-Insurance Conviction Leads to an SR22
Every Texas driver is required to carry liability insurance. When a driver is convicted of No Motor Vehicle Liability Insurance more than once, Texas DPS requires proof that they'll stay insured going forward. That proof is the SR22.
According to Texas DPS, you must file an SR22 if you receive a second or subsequent conviction for No Motor Vehicle Liability Insurance. The SR22 is a certificate your insurance company files with DPS confirming you carry at least the state's minimum coverage.
The requirement applies statewide, whether the ticket came from a city police officer, a county deputy, or a state trooper.
The exception: If you actually had insurance on the vehicle at the time of the second or later offense, Texas DPS says you can submit proof of insurance and the SR22 requirement will be waived. Keep your proof of insurance handy.
First vs. Repeat
First Ticket vs. Second Conviction
How Texas treats a no-insurance conviction depends on whether it's your first.
Second or Later Conviction
- Listed by Texas DPS as an SR22 trigger.
- SR22 kept for two years from the conviction date.
- Waived if you had insurance at the time and submit proof.
- A lapse is reported to DPS and can lead to suspension.
Insurance Minimums
Texas SR22 Coverage Requirements
Your SR22 policy must meet Texas's minimum liability limits:
Coverage
Minimum
Bodily injury or death of one person per crash
$30,000
Bodily injury or death of two or more people per crash
$60,000
Property damage per crash
$25,000
An insurance card or a copy of your policy isn't accepted in place of an SR22. The certificate must come from your insurer.
View Official Texas DPS SR22 Information →Need an SR22 After a No-Insurance Ticket?
Talk to a licensed agent about coverage that meets Texas SR22 requirements.
Getting Back on Track
How to Get Your SR22 After a No-Insurance Conviction
Getting your SR22 in place is usually the fastest part of the process.
Check Your DPS Notice
Confirm the SR22 requirement and any reinstatement steps. If you had insurance at the time, ask about submitting proof instead.
Talk to a Licensed Agent
Call 888-577-7217 to discuss owner or non-owner coverage that meets Texas's 30/60/25 minimums.
Your Insurer Files the SR22
Your insurance company provides the SR22 to Texas DPS. Pay any reinstatement fees and confirm your eligibility.
Staying Compliant
Don't Let Your SR22 Lapse
After a no-insurance conviction, staying continuously insured is the whole point of the SR22. If your coverage lapses, your insurer notifies DPS, and your license and registration may be suspended again.
- Set up automatic payments to avoid an accidental cancellation.
- Keep the SR22 for the full two years from your conviction date.
- Switching insurers? Make sure the new SR22 is filed before the old one is cancelled.
- Keep proof of insurance in your vehicle at all times.
More Texas SR22 Help
More SR22 Help for Texas Drivers
Explore other common SR22 situations, or find SR22 information for your Texas city.
Common Questions
No-Insurance SR22: Texas FAQ
Answers to common questions about SR22 requirements after a no-insurance conviction in Texas.
Do I need an SR22 for a first no-insurance ticket in Texas?
Texas DPS lists a second or subsequent conviction for No Motor Vehicle Liability Insurance as an SR22 trigger. A first conviction isn't on that list, but other penalties may apply, so check your court paperwork and any DPS notice.
What if I actually had insurance when I got the ticket?
Texas DPS says that if you had insurance on the vehicle at the time of a second or later no-insurance offense, you can submit proof of insurance and the SR22 requirement is waived.
How long do I need an SR22 after a no-insurance conviction?
Texas DPS requires the SR22 to be maintained for two years from the date of the conviction that required it.
Can I just show my insurance card to DPS instead?
No. Texas DPS does not accept an insurance card or policy in place of an SR22. Your insurance company must file the SR22 certificate.
I don't own a car. Do I still need an SR22?
If DPS requires one, yes. A non-owner SR22 policy can meet the requirement if you qualify.
What happens if my SR22 lapses?
Your insurer notifies Texas DPS, and your license and registration may be suspended if your SR22 lapses without a new one being filed first.
No-Insurance SR22 Assistance
Get Insured and Get Your SR22 Filed
One call connects you with a licensed agent who can help you find coverage that meets Texas SR22 requirements. Your insurer handles the filing with DPS.
☎ Call 888-577-7217
Sources:
Texas Department of Public Safety,
Financial Responsibility Insurance Certificate (SR-22)
.
Requirements and fees may change. Confirm your individual case
with Texas DPS. Lone Star SR22 is a lead referral service,
not an insurance company or agency.