A Financial Responsibility Insurance Certificate (SR-22) is required by the Texas Transportation Code Chapter 601 to verify that you are maintaining motor vehicle liability insurance. A SR-22 can be issued by most insurance providers and certifies that you have the minimum liability insurance as required by law. An insurance provider will automatically notify the Department when a SR-22 is cancelled, terminated or lapses.
The minimum liability coverage amounts required by law are:
For more information on minimum liability insurance laws, please visit the Texas Department of Insurance.
If your driving privilege has been suspended due to a car crash, you have received a second or subsequent conviction for No Motor Vehicle Liability Insurance* or a civil judgment has been filed against you, you are required to file a SR-22 with the Department. You are required to maintain coverage for two years beginning from the date of the conviction that requires a SR-22, or in the case of a judgment against you due to a crash, two years from the date the judgment was rendered. A SR-22 is also required when a security deposit is being placed with the Department as compliance for a crash or crash default suspension.
An insurance card or policy will not be accepted in place of a SR-22.
You should contact your local insurance agent or provider to obtain a SR-22. If you do not own a vehicle, you should ask an insurance provider about a Texas Non-Owner SR-22 Insurance policy.
Your driving privilege and vehicle registration may be suspended if:
To reinstate your driver license you must:
*If you are convicted of a second or subsequent violation for No Motor Vehicle Liability Insurance but had insurance on the vehicle at the time of the offense, you may submit your proof of insurance and the SR-22 requirement will be waived.
For information on submitting compliance and fees to the Department, visit the Reinstating your Driver License or Driving Privilege webpage.
To check the status of your driver license or to determine if you are eligible for reinstatement, visit the License Eligibility webpage. This page will provide you with information on what you will need to reinstate your driver license or driving privilege, including any fees you may owe. Once all compliance items have been processed and your suspension period has ended, your driver eligibility status will be updated to reflect "eligible".
For more information on SR-22 (Proof of Financial Responsibility), please visit the Frequently Asked Questions webpage.