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Read article →Published September 15, 2026 by the Yeti Insurance Agency team
If a court or the Texas Department of Public Safety (DPS) has told you that you need an "SR-22," it can feel confusing and stressful. Here's what it means and how to handle it.
What is an SR-22?
An SR-22 isn't a type of insurance. It's a certificate your insurance company files with the state to prove you carry at least the Texas minimum liability coverage (30/60/25). The state requires it after certain violations to make sure you stay insured.
Who needs an SR-22 in Texas?
Common reasons include:
- A DWI or drug-related driving conviction
- A conviction for Driving While License Invalid
- A second or later conviction for driving without insurance
- A license suspension after a crash while uninsured, or an unpaid judgment from a crash
The court or DPS will tell you if you need one. If you don't own a car but still need to reinstate your license, you may need a non-owner SR-22 policy.
How long do you need it?
In Texas, you must keep an SR-22 on file for two years from the date of your most recent qualifying conviction (or the date of a judgment against you). A new conviction can extend that period. Confirm the requirement with DPS or the court.
Important: If your policy lapses or is cancelled while an SR-22 is required, your insurer must notify the state, and your license can be suspended again. Set up automatic payments so you never miss one.
How to keep your premium down
- Compare carriers. Not every insurer accepts SR-22 drivers, and pricing varies widely. An independent agency can quote several at once.
- Maintain continuous coverage. A clean record over time is the best way to bring rates back down.
- Consider a higher deductible on collision and comprehensive.
- Ask about discounts such as defensive driving courses, bundling and paid-in-full.
We can help
Yeti Insurance works with carriers that accept SR-22 filings and can file the form for you. or call us at (469) 345-6419.
This article is general information, not legal advice or a guarantee of coverage. Coverage depends on the terms of your policy.