What is SR22 and what does it mean in Texas?

In Texas, the SR22 certificate is necessary for drivers who need to restore their driving privileges after suspensions related to serious traffic offenses. This form, filed with Texas’s DMV by an insurance company, confirms the driver’s adherence to the state’s minimum liability insurance mandates.

The SR22 requirement can arise from incidents such as DUI, driving without insurance, or multiple traffic violations, indicating the driver’s high-risk status. Insurance premiums for drivers with an SR22 typically increase. Texas law stipulates that drivers must carry the SR22 for a specific duration, generally three years, ensuring no lapse in insurance coverage occurs.

Texas drivers required to obtain an SR22 should compare quotes from various insurers to find affordable rates. Improving driving habits and maintaining a clean record can help lower the risk profile and associated insurance costs.