Get Cheap SR-22 Insurance in Texas
Need cheap SR-22 Insurance in Texas? You’re in the right place. For over 15 years, MIS-Insurance 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 reinstate your license — all in the SAME DAY! 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.
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:
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- $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:
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- 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:
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- 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. Therfore, 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:
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- 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:
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- File a valid SR-22 with the Texas Department of Public Safety.
- Pay the $100* Reinstatement Fee, along with any other outstanding fees related to your suspension.
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 2025.
How Do I Check My Driver Eligibility Status In Texas?
Not sure if you’re eligible to get back on the road? reinstate your license after an SR-22 lapse or suspension? You can get up-to-date information on Texas DPS License Eligibility webpage to:
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- 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.”
Manage Your Texas SR-22 Online
Certainly, it is a big step forward when you get your Texas SR-22 Certificate. In order to stay on track with your SR-22, you can use the Texas Department of Public Safety’s online License Eligibility system to:
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- Pay fees for SR-22 related license suspensions
- Apply for an Occupational or Ignition Interlock Restricted Driver’s License
- View and complete compliance requirements
- Track your SR-22 status and driving eligibility
- Confirm verification of lawful presence status
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, Camarillo, Arlington, Austin, Beaumont, Brownsville, Carrollton, College Station, Conroe, Corpus Christi, Dallas, Denton, Edinburg, El Paso, Fort Worth, Frisco, Garland, Grand Prairie, Houston, Irving, Kileen, Laredo, League City, Lewisville, Lubbock, McAllen, McKinney, Mesquite, Midland, New Braunfels, Odessa, Pasadena, Pearland, Plan, Richardson, Round Rock, San Angleo, San Antonio, Sugar Land, Woodlands, Tyler, Waco, Wichita Falls, and more.
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