SR-22 Insurance

Not all drivers must file an SR-22 form, but compliance is essential if you receive notice from the Department of Motor Vehicles (DMV) that you must file this form. Doing so within the allotted time frame may be a condition for keeping or restoring your Texas driving privileges after a serious traffic offense.  

Contact Low Rate Insurance Agency of Texas today to learn more about filing the SR-22 form. 
 

What Is SR-22 Insurance? 

 

There is no such thing as SR-22 insurance. Rather, the SR-22 form proves you have a car insurance policy that meets or exceeds the state’s minimum required coverage.  

What Coverage Is Included With SR-22 Compliant Insurance? 

 

Texas requires all drivers, including those who must file an SR-22, to carry minimum amounts of insurance coverage, including the following: 

• Bodily injury liability insurance may help pay third-party claims for accident-related medical costs. 
• Property damage liability insurance may help pay third-party claims for accident-related property damage.  

Even if your insurance is SR-22 compliant, you may need additional auto insurance policies. If you finance or lease a car, your lienholder generally requires comprehensive and collision coverage to help protect their investment. They may also require you to purchase guaranteed asset protection (GAP) coverage to help pay off your vehicle if a covered accident renders it a complete loss.  

Depending on your needs, your agent may recommend that you also purchase a variety of optional auto insurance policies, including the following: 

• Uninsured/underinsured motorist coverage
• Personal injury protection (PIP) coverage
• Medical payments (MedPay)
• Roadside assistance
• Rental car reimbursement 

How Much Is SR-22 Compliant Insurance? 

 

Your auto insurance premiums may increase significantly after a serious traffic violation requiring an SR-22 form. Car insurance costs vary widely among insurers and depend on numerous factors, including the following: 

• The value of the insured vehicle 
• Your driving history
• Your claims history
• Your location
• The policy’s coverage limits and deductible 

It’s crucial to work closely with an experienced agent who has relationships with reputable insurers that provide coverage for drivers who must file an SR-22 form.  

Contact Us 

If you receive notice that you must file an SR-22 form with the Texas DMV, contact Low Rate Insurance Agency of Texas. We can help you get a great rate on the coverage you need to comply with Texas state laws.