Myths
- An SR22 is a special type of insurance.
- You file the SR22 with DPS yourself.
- An SR22 gives you extra coverage.
- Once the SR22 ends, you don’t need insurance.
Quick Reference
The Difference in Short
SR22 insurance is regular auto insurance plus a certificate your insurer files with Texas DPS.
Same
Both are auto liability policies meeting Texas 30/60/25 minimums.
Different
SR22 adds a certificate filed with Texas DPS.
Lapse Reporting
With an SR22, your insurer must tell DPS if coverage ends.
Who Needs It
Drivers DPS requires it from, usually after a suspension or conviction.
Cost
Usually higher because of the violation behind it.
How Long
Generally two years from the qualifying conviction date.
Side by Side
View Official Texas DPS SR22 Information →
SR22 vs. Regular Insurance Comparison
SR22 Insurance
Regular Insurance
What it is
Auto policy plus a DPS certificate
Auto policy
Minimum coverage in Texas
30/60/25 liability
30/60/25 liability
Filed with Texas DPS
Yes, by your insurer
No
DPS told if coverage lapses
Yes
No
Who needs it
Drivers DPS requires it from
Every Texas driver
Typical cost
Usually higher
Varies
How long
Generally two years
Always required
Why It Costs More
Why SR22 Insurance Usually Costs More
The SR22 filing itself is usually inexpensive. The bigger cost comes from why you need it. A DWI, an uninsured crash, or repeat no-insurance convictions all signal higher risk to insurers, so premiums tend to be higher.
Rates vary a lot between insurers, and a non-owner policy can be a lower-cost option if you don’t own a car and qualify.
Need an SR22 Added to a Policy?
Talk to a licensed agent who works with Texas SR22 filings.
Common Myths
SR22 Myths vs. Facts
A few misunderstandings come up again and again.
Facts
- It’s a certificate added to a regular policy.
- Your insurer files it with Texas DPS.
- It only proves you meet the minimum.
- All Texas drivers must stay insured.
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
SR22 vs. Regular Insurance FAQ
Answers to common questions about how SR22 insurance compares to a regular policy.
Is SR22 insurance different from regular car insurance?
Not really. An SR22 is a certificate your insurer files with Texas DPS. The insurance underneath is a regular auto liability policy that meets the state minimums.
Why is SR22 insurance more expensive?
The filing fee is usually small. The higher cost comes from the violation behind the SR22, such as a DWI or uninsured crash, which insurers see as higher risk.
Can I add an SR22 to my current policy?
Often, yes, if your insurer offers SR22 filings in Texas. If it doesn’t, you may need to switch to one that does.
Does SR22 insurance give me more coverage?
No. An SR22 only certifies that you carry at least the required minimum. You can choose higher limits or add other coverages like any other policy.
Do I still need regular insurance after my SR22 ends?
Yes. Every Texas driver must carry at least 30/60/25 liability coverage. Only the SR22 filing goes away.
SR22 Help in Texas
Get Your SR22 Filed
A licensed agent can help you find a policy with the SR22 filing you need. Your insurer handles the filing with Texas 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.