Non-Owner SR22
Don't own a car? A qualifying non-owner policy may help satisfy your SR22 requirement.
Non-Owner SR22 in Texas →
Fast SR22 Filing
Your insurer files directly with Texas DPS.
Owner & Non-Owner Policies
Coverage options even if you don't own a car.
Licensed Texas Agents
Speak with agents familiar with SR22 filings.
Understand Your Filing
What Is SR22 Insurance in Texas?
If Texas DPS has told you that you need an SR22, you're not buying a special kind of insurance — you're proving you carry it. An SR22 (also written SR-22) is a certificate of financial responsibility that your insurance company files with the Texas Department of Public Safety.
It shows the state you have at least Texas's minimum liability coverage, and it's usually required before you can reinstate a suspended license.
Most Texas drivers need an SR22 after a crash-related suspension, a second conviction for driving without insurance, or a civil judgment from an accident. Many DWI-related suspensions also require one — your DPS notice will tell you.
Lone Star SR22 connects you with licensed agents who handle Texas SR22 filings, so you can get covered, get filed, and work toward getting back on the road.
Learn More: What Is an SR22? →
Three Simple Steps
How to Get Your SR22 Filed in Texas
Getting started with an SR22 filing in Texas doesn't have to be complicated.
01
Call 888-577-7217
You'll be connected with a licensed insurance agent who can discuss your Texas SR22 needs.
02
Discuss Your Situation
The agent reviews your requirements, whether you own a car or not, and helps you explore a qualifying policy.
03
Your Insurer Files the SR22
Once coverage is arranged, the insurance company files with Texas DPS so you can continue the reinstatement process.
Texas SR22 Eligibility
Who Needs an SR22 in Texas?
Texas DPS may require proof of financial responsibility before restoring your driving privileges after certain violations or suspensions.
The exact requirement depends on your circumstances. Your official DPS notice is the best place to confirm whether an SR22 is necessary.
If you're unsure, a licensed insurance agent can help explain the filing process and what to ask DPS.
See the Full Texas SR22 Requirements →Common Reasons for an SR22
- License suspension after a car crash
- Second or later no-insurance conviction
- Civil judgment following an accident
- Security deposit placed with DPS after a crash
- Certain DWI-related suspensions
Not every violation automatically requires an SR22. Confirm your case with Texas DPS.
Find the Right Information
SR22 Help for Your Situation
Different circumstances can lead to an SR22 requirement. Explore the information that applies to you.
SR22 After a DWI
Learn what a DWI-related suspension may mean for your license and SR22 filing.
SR22 After DWI in Texas →Crash Suspension
Suspended after an accident? Understand how SR22 filing fits into reinstatement.
Crash Suspension SR22 →No-Insurance Conviction
A second no-insurance conviction can trigger an SR22 requirement under Texas rules.
SR22 for No Insurance →SR22 Cost in Texas
See which factors affect your insurance premium and what the filing may cost.
Understand SR22 Costs →How Long You Need It
Texas SR22 requirements commonly last two years. Learn how the period is determined.
How Long Is SR22 Required? →
Know the Basics
Texas SR22 Requirements at a Glance
Common Texas financial responsibility and SR22 rules. Your DPS notice determines the requirements for your case.
Minimum Coverage
$30,000 per injured person /
$60,000 per crash /
$25,000 property damage (30/60/25)
How Long
Generally 2 years from the conviction
date that triggered the requirement.
Reinstatement Fee
$100 for applicable reinstatements,
plus any other fees owed. Confirm
your individual DPS balance.
If Coverage Lapses
Your insurer notifies DPS and your
driving privileges may be suspended again.
Proof Required
An actual SR22 filing from your insurer.
An ordinary insurance card isn't accepted
as a substitute.
Source: Texas Department of Public Safety . Requirements and fees can change. Confirm your individual case with DPS.
Find the Appropriate Coverage
Owner vs. Non-Owner SR22 in Texas
Whether you own a vehicle can affect the type of policy you need to meet your SR22 requirement.
Vehicle Owners
If You Own a Car
Your SR22 is generally filed in connection with your regular auto insurance policy. The policy must satisfy Texas liability requirements, including the state's 30/60/25 minimums. You must maintain qualifying coverage throughout the required SR22 period.
No Vehicle Ownership
If You Don't Own a Car
A non-owner SR22 policy may provide qualifying liability coverage when you drive vehicles you don't own. It can be a lower-cost option for eligible drivers, but regular access to a household vehicle may affect eligibility. An agent can review your situation.
Ready to Get Your Texas SR22 Filed?
The sooner your SR22 is on file, the sooner you can work toward getting your license back. Talk to a licensed insurance agent to get started.
Frequently Asked Questions
Texas SR22 FAQs
Answers to common questions about SR22 insurance in Texas and reinstatement.
Is an SR22 a type of insurance?
No. An SR22 is a certificate your insurance company files with Texas DPS to demonstrate financial responsibility. It isn't a separate insurance policy. You need qualifying coverage for the insurer to make the filing. Learn more about SR22s.
How long do I need an SR22 in Texas?
Generally, Texas requires an SR22 for two years from the date of the conviction that triggered the requirement. Certain circumstances may differ, so confirm your exact dates with DPS. Keep your coverage active throughout the required period. Read about SR22 filing periods.
Can I get an SR22 without a car?
Yes. Eligible drivers who don't own a vehicle may qualify for a non-owner SR22 policy. Coverage and eligibility restrictions vary, so discuss your situation with a licensed agent. Explore non-owner SR22 coverage.
How much does SR22 insurance cost in Texas?
The filing itself generally involves a relatively small administrative fee. Your premium depends on your driving record, the reason for the SR22, coverage choices, and the insurer. A licensed agent can discuss quotes. Learn what affects SR22 costs.
What happens if my SR22 lapses?
If required SR22 coverage is canceled or lapses, your insurance company reports the change to Texas DPS. Your driving privileges may be suspended again, and you may need a new filing and reinstatement.
Do I need an SR22 after a DWI in Texas?
Certain DWI-related suspensions require an SR22 as part of reinstatement. The requirement depends on your case. Check your DPS notice for details. Learn about SR22 after a DWI.
Will Lone Star SR22 file my SR22 for me?
Lone Star SR22 is a connection service, not an insurance company or agency. We connect Texas drivers with licensed insurance agents who can help them explore qualifying coverage. Once coverage is arranged, your insurance company is responsible for submitting the SR22 filing to Texas DPS.
Statewide Assistance
SR22 Insurance Across Texas
Whether you're in a major city or a smaller community, licensed agents can help you understand your Texas SR22 filing options. Explore information for your city.
Take the Next Step
Get Back on the Road
One call to a licensed insurance agent is all it takes to get started with your Texas SR22 filing.
Call 888-577-7217