Texas SR-22 Insurance
As Low As $29/month
Instant Certificate, Same-Day Filing
Get Cheap SR-22
Insurance in Texas
Need cheap SR-22 Insurance in Texas? You’re in the right place. Since 2009, MIS Insurance Services has helped tens of thousands of drivers get same-day, cheap SR-22 insurance coverage at unbeatable rates. We have a 5-star customer satisfaction rating and some of the lowest prices in the state, so we make the process quick and painless. Get your free quote in just 3 minutes, and we’ll walk you through your best options step-by-step.
Print Your SR-22
Certificate Instantly
We offer the fastest and most affordable SR-22 insurance in Texas. Get a quote instantly, purchase your policy, print your certificate, and pay reinstatement fees and complete your reinstatement directly with the Texas DPS. You’ll be back on the road in no time.
What is a Texas SR-22?
A Texas SR-22 is not an insurance policy itself. It is a Financial Responsibility Certificate that proves you’re carrying at least the state’s minimum auto liability insurance coverage. Your insurance company files it directly to the Texas Department of Public Safety (DPS). Accordingly, this confirms your compliance with mandatory coverage laws.
How Much Does SR-22 Insurance Cost in Texas?
SR-22 insurance from MIS starts as low as $29 a month in Texas. What you pay depends on why you need the SR-22, your driving record, your age, where you live, and whether you own a car. If you don’t own a car, a non-owner SR-22 policy is usually the cheapest way to meet the state’s requirement. The Texas DPS reinstatement fee is separate and is paid to DPS. You can get your exact price in about 3 minutes.
What Are Texas Minimum Liability
Insurance Requirements?
In order to meet the SR-22 requirements in Texas, your auto liability insurance must include the following minimum coverage amounts:
- $30,000 for bodily injury or death of one person per accident
- $60,000 for bodily injury or death of two or more people per accident
- $25,000 for property damage per accident
However, if your SR-22 insurance policy is canceled, terminated, or lapses, your insurance provider is legally obligated to notify the Texas DPS immediately. Accordingly, this could lead to additional penalties or a longer license suspension, so continuous coverage is crucial.
Who Needs an SR-22 in Texas?
You may need to file an SR-22 in Texas if:
- You were convicted of DWI (see DWI insurance in Texas)
- Your driver’s license was suspended due to a car accident
- You have had multiple convictions for driving without insurance
- A civil judgment was filed against you for a traffic crash
- You are making a security deposit with the Texas DPS as a condition of compliance following a crash or crash-related suspension
- For a full list of circumstances that require an SR-22 in Texas, see the Texas DPS.
How Long Do I Need to Keep An SR-22 in Texas?
In general, once required, you must maintain Texas SR-22 insurance continuously for two years:
- From the date of conviction, OR
- From the date the judgment was issued (if due to a court judgment related to a crash)
However, if your SR-22 lapses or is canceled during that time, you could face license suspension, additional fines, and an extended SR-22 requirement.
What Happens If Your SR-22 Is Canceled or Lapses?
If your Texas SR-22 is cancelled, terminated, or lapsed, it can result in serious consequences, including driver’s license suspension and vehicle registration suspension. Therefore, you need to make sure that a valid SR-22 remains on file with the Texas Department of Public Safety (DPS) at all times during your required filing period.
When Is Your Texas Driver’s License at Risk?
Your driving privilege and vehicle registration may be suspended if:
- You are required to have an SR-22 in Texas and fail to keep one on file with the Texas DPS.
- The SR-22 on file is cancelled, terminated, or lapses, and a new SR-22 is not submitted before the original policy ends.
In order to avoid suspension, it’s critical to maintain continuous SR-22 coverage for the entire mandated period.
How to Reinstate Your
Texas Driver’s License
If your Texas SR-22 insurance lapses and your license is suspended, follow these steps to reinstate your driving privileges:
- File a valid SR-22 with the Texas Department of Public Safety.
- Pay the $100-$125* Reinstatement Fee, along with any other outstanding fees related to your suspension.
- Complete your reinstatement process and all requirements directly with the Texas DPS.
- Track your driving eligibility status and verification of lawful presence status online with DPS.
- If your license expired or you surrendered it during the suspension, you may also need to schedule an appointment at a Texas DPS driver’s license office and pay a duplicate/replacement fee to get your physical license.
If you fail to complete these steps, it could delay the reinstatement of your Texas driver’s license.
*Reinstatement Fee per TX DPS as of 2026.
How Do I Check My Driver Eligibility Status In Texas?
Not sure if you’re eligible to get back on the road? You can get up-to-date information on the Texas DPS License Eligibility webpage to:
- Check your current driver license status
- View required compliance actions
- Confirm any fees owed, including reinstatement fees and occupational license charges
Once all items are processed and your suspension period ends, your status will be updated to “eligible.”
Texas SR-22 Online
license suspensions
Ignition Interlock Restricted
Driver’s License
requirements
driving eligibility
presence status
Texas SR-22 Questions and Answers
What is an SR-22?
In Texas an SR-22 is a Financial Responsibility Insurance Certificate. Your insurance company sends it to DPS to show you carry at least the state minimum liability coverage. It rides on a policy; it is not a policy.
How much is SR-22 insurance in Texas?
As low as $29 a month at MIS. Your exact price depends on your driving record, why you need the SR-22 and whether you own a car.
How long do I need an SR-22 in Texas?
Usually two years from the date of the conviction or judgment.
How do I get an SR-22?
Ask an agency that writes SR-22 policies. At MIS a quote takes about 3 minutes, and when you buy we file the SR-22 with DPS electronically.
How fast can I get my SR-22?
Get a quote in about 3 minutes, buy your policy and print your certificate right away.
Why do I need an SR-22?
DPS requires it after a DWI conviction, a suspension that followed a crash, a court judgment from a crash, or repeat convictions for driving without insurance. The requirement is listed on your DPS record.
Do I need an SR-22 after a DWI in Texas?
Yes. DPS requires you to keep one on file for two years from the conviction date. See every step to get your Texas license back after a DWI.
Do I need an SR-22 to get my Texas license back?
If DPS lists an SR-22 on your record, yes. See how to reinstate your Texas license with an SR-22.
Do I need an SR-22 and regular insurance?
They go together. The SR-22 is attached to a liability policy, so with a vehicle you carry auto insurance plus the SR-22, and without one you carry a non-owner policy plus the SR-22.
What if I don’t own a car?
A non-owner SR-22 policy meets the requirement. See how Texas non-owner SR-22 insurance works. See Texas non-owner SR-22 insurance.
Can I get an SR-22 without a license?
Usually, yes. A suspended license does not keep you from buying the policy, and DPS generally wants the SR-22 on file before it reinstates you.
Does SR-22 insurance cover any car I drive?
Not automatically. A standard policy follows the vehicles named on it. A non-owner policy follows you when you borrow a vehicle now and then, and it excludes vehicles you own or that belong to your household. See what an SR-22 policy covers.
Who has the cheapest SR-22 insurance?
It changes from driver to driver, since every company rates a DWI or a suspension differently. We compare them for you. Texas SR-22 insurance at MIS starts as low as $29 a month. Prices vary.
What happens if my SR-22 is canceled?
Your insurance company notifies DPS, and your license and registration can be suspended. See what to do if your Texas SR-22 is canceled.
How do I know when I no longer need my SR-22?
In Texas the requirement runs two years from the conviction or judgment date. Confirm your end date with DPS before you cancel, because canceling early can get your license suspended again.
Can I switch insurance companies while I have an SR-22?
Yes. Have the new company file its SR-22 with DPS first, then end the old policy, so there is never a day without one on file.
Is an FR-44 the same as an SR-22?
No. Florida and Virginia use the FR-44, which calls for higher limits. Texas does not use it; DPS asks for an SR-22.
Need a DWI education class?
Need Help With Your Texas SR-22 Filing?
If you’ve been told you need a Texas SR-22 certificate, we can help you understand your options and get back on the road legally. Contact us today to learn more about Texas SR-22 insurance, filing procedures, and how to stay compliant with state requirements. If you own a vehicle, we can provide a car insurance policy with an SR-22 filing attached. If you do not own a vehicle, we can provide a Texas Non-Owner SR-22 Insurance policy. Whatever your situation is, give us a call and we can walk you through the options. We will make the process easy and pain-free.
Get Cheap SR-22 Insurance All Across Texas
MIS Insurance proudly serves cities throughout Texas, including:
Abilene, Allen, Amarillo, Arlington, Austin, Beaumont, Brownsville, Carrollton, College Station, Conroe, Corpus Christi, Dallas, Denton, Edinburg, El Paso, Fort Worth, Frisco, Garland, Grand Prairie, Houston, Irving, Killeen, Laredo, League City, Lewisville, Lubbock, McAllen, McKinney, Mesquite, Midland, New Braunfels, Odessa, Pasadena, Pearland, Plano, Richardson, Round Rock, San Angelo, San Antonio, Sugar Land, The Woodlands, Tyler, Waco, Wichita Falls, and more.
MIS Insurance Services, LLC is licensed in Texas. Texas License #2960567.