Who Needs SR-22?

If you’ve been told you need an SR-22, you may be wondering what it means and how it affects your ability to drive. At City Auto Insurance, we help drivers understand SR-22 requirements and guide them through every step of the process.

What Is an SR-22?

An SR-22 is not an insurance policy, but rather a certificate your insurance company files with the Texas Department of Public Safety (DPS) to prove you have the minimum required auto liability coverage. It’s often required for drivers considered “high-risk” due to certain violations or lapses in coverage.

Who Is Required to Obtain an SR-22 in Texas?

You may be required to file an SR-22 if you fall into one of these categories:

• You’ve been convicted of a DUI or DWI
• You were caught driving without insurance
• Your license was suspended or revoked due to serious traffic violations
• You’ve had multiple traffic offenses within a short period
• You were involved in an accident without insurance
• You allowed your insurance coverage to lapse

Typically, the Texas DPS will notify you if you need to file an SR-22, often as part of the process to reinstate your driver’s license.

How Long Do You Need an SR-22?

Most drivers must maintain an SR-22 on file for two years from the date of the offense. If your policy lapses or is canceled during this period, your insurer will notify the DPS, which could result in another license suspension.

How Our Team Can Help

Navigating SR-22 requirements can feel overwhelming, but our team at City Auto Insurance is here to help. We work with drivers every day to:

• Find affordable SR-22 insurance options
• File the necessary paperwork quickly and accurately
• Answer your questions about high-risk insurance and license reinstatement

If you’ve been told you need an SR-22, don’t wait; reach out to us for guidance and support. We’re committed to helping you get back on the road with confidence.

Contact us today to learn more about SR-22 insurance and how we can assist you.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.