SR-22 and high-risk auto, without the judgment
Same-day SR-22 filings with Texas DPS, owner and non-owner policies, and a clear plan back to standard rates.
Common reasons Texas drivers need an SR-22
An SR-22 is a certificate your insurer files to prove you carry 30/60/25 liability coverage. It is not a separate kind of insurance.
DWI or DUI conviction
Usually a 2-year SR-22 requirement from the conviction date.
Driving uninsured
Required after an uninsured accident or a no-insurance citation.
Too many points
License suspension for repeated moving violations.
Unpaid judgment
A court judgment from an accident you have not paid.
Which SR-22 policy fits you
| Policy type | Best for | Covers | Sample monthly range |
|---|---|---|---|
| Owner SR-22 | You own or lease a vehicle | Your listed vehicles and drivers | $135 to $260 / mo |
| Non-owner SR-22 | You do not own a car | Liability when driving borrowed cars | $38 to $70 / mo |
| Broad form (operator) | You drive several vehicles | Liability for you as a driver | $55 to $95 / mo |
Sample ranges for illustration only. Actual premiums depend on your record, vehicle and carrier underwriting.
Your road back to standard rates
Omar Haddad, our SR-22 specialist, maps this out with every high-risk client.
- 1
Today
We quote several high-risk carriers and file your SR-22 with Texas DPS electronically.
- 2
Months 1 to 24
Autopay keeps coverage continuous. A lapse notifies DPS and can suspend your license again.
- 3
Every renewal
We re-shop your policy as violations age and discounts become available.
- 4
Requirement ends
We confirm with DPS, remove the filing and move you to standard-rate carriers.
In most cases the same business day once the policy is purchased. DPS usually shows the filing within a few business days.
No. A non-owner policy with an SR-22 meets the requirement for drivers who do not own a vehicle.
The carrier must notify DPS if your policy cancels, which can suspend your license again. We strongly recommend autopay and reminders.
Sí. Nuestros agentes le explican el proceso del SR-22 en español y le ayudan con los documentos de DPS.
Get your SR-22 filed today
Real agents in San Antonio, answers in English or Spanish, and no obligation to switch.
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