Financial Responsibility Insurance Certificate (SR-22)
A Financial Responsibility Insurance Certificate (SR-22) is a certificate verifying that an individual is maintaining motor vehicle liability insurance. An SR-22 can be issued by most insurance providers and certifies that an individual has the minimum liability insurance as required by law. An insurance provider will automatically notify the Texas Department of Public Safety (DPS) when an SR-22 is cancelled, terminated or lapses.
Financial Responsibility, Conviction or Judgment
Any individual whose driving privilege has been suspended or revoked as the result of a car crash, conviction or judgment is required to file an SR-22 with DPS and maintain coverage for two years starting from the date of the conviction or 2 years from the date the Judgment was rendered. An SR-22 is also required if 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 an SR-22.
Authorized Insurance Providers
Individuals should contact their local insurance agent or provider to obtain an SR-22. Individuals who do not own a vehicle should ask an insurance provider about a Texas Non-Owner SR-22 Insurance policy.
Cancelled, Terminated or Lapsed SR-22
An individual’s driving privilege and vehicle registration may be suspended if:
- An SR-22 must be maintained and the individual does not have a valid SR-22 on file with DPS, or
- DPS receives notification that an SR-22 has been cancelled, terminated or lapsed.
Driver License Reinstatement Requirements
To reinstate a driver license an individual must:
- Pay the required reinstatement fee prior to the issuance of the driver license, and
- Submit an SR-22 to DPS.
Minimum Liability Amounts
The minimum liability coverage amounts required by (Texas) law are:
- $30,000 for bodily injury to or death of one person in one accident,
- $60,000 for bodily injury to or death of two or more persons in one accident, and
- $25,000 for damage to or destruction of property of others in one accident.
For more information on minimum liability insurance laws, please visit the Texas Department of Insurance.
To compare rates and find licensed insurance providers, please visit the Texas Department of Insurance Help Insure Service.
Driver Eligibility Status
For individuals who are required to submit compliance documents (i.e. certificate of completion, SR-22, etc.), their driver eligibility status will change from “ineligible” to “eligible” on the License Eligibility website once all documents have been processed and fees have been paid.
DPS Mailing Address, Fax Number and Email Information
Required documents can be submitted by mail, fax or email. All documents submitted by email must be in PDF format. Individual must write their name, date of birth and driver license number on all documents so their record can be properly identified.
Texas Department of Public Safety
Enforcement and Compliance Service
P.O. Box 4087
Austin, TX 78773-0320
Fax Number: 512-424-2848
If you have questions regarding your driver license contact the Texas Department of Public Safety (DPS) customer service Monday -Friday 7:30am – 6:00pm.
For English call: (512) 424-2600
For Spanish call: (512) 424-7181
Communication of information by, in, to or through this Web site and your receipt or use of it (1) is not provided in the course of and does not create or constitute an attorney-client relationship, (2) is not intended as a solicitation, (3) is not intended to convey or constitute legal advice, and (4) is not a substitute for obtaining legal advice from a qualified attorney. You should not act upon any such information without first seeking qualified professional counsel on your specific matter.
Talk to your attorney to see if you will need SR-22 insurance.