SR22 Insurance Houston: Everything You Need to Know

If you are living in Houston, Texas, and you have been convicted of a DUI or other serious driving violations, you may need to obtain SR22 insurance. This type of insurance is a state-required document that proves you have the minimum amount of liability insurance coverage mandated by law. The SR22 insurance document must be filed with the Texas Department of Public Safety (DPS) for your driving privileges to be reinstated.

What is SR22 insurance?

SR22 insurance is a form of vehicle liability insurance that is required by law in some states, including Texas. It is intended to prove to the state that you have liability coverage for a specific period, usually three years. An SR22 certificate is usually required for drivers who have had their licenses suspended or revoked due to certain types of driving offenses such as DUI or DWI, reckless driving, or driving without insurance. The purpose of SR22 insurance is to provide the state with proof that the driver has obtained the minimum level of liability insurance coverage required by law.

If you live in Houston, Texas, and you have a driving record that includes a DUI or other serious driving violations, you may need to obtain SR22 insurance.

Who needs SR22 insurance in Houston?

If you have been convicted of a DUI or other serious driving violations in Houston, Texas, you may be required to obtain SR22 insurance. Here are some of the offenses that can result in the need for SR22 insurance in Texas:

If you have been convicted of any of the above offenses, you will need to obtain SR22 insurance in Houston, Texas, for a specific period of time, depending on the offense.

How do I obtain SR22 insurance in Houston?

To obtain SR22 insurance in Houston, Texas, you will need to follow these steps:

1. Contact an insurance company
2. Provide the necessary documentation
3. Purchase the SR22 coverage
4. File the SR22 certificate with the Texas DPS

First, you will need to contact an insurance company that offers SR22 insurance in Houston, Texas. The insurance company will ask for your personal information, such as your name, address, and driver’s license number. They may also ask for information about your driving record and the offense that resulted in the need for SR22 insurance.

Next, you will need to provide the necessary documentation to the insurance company. This may include a copy of your driving record, proof of insurance, and the SR22 form that will need to be filed with the Texas DPS. The insurance company will then calculate the cost of the SR22 insurance policy, which is typically higher than standard auto insurance due to the increased risk associated with drivers who require SR22 coverage.

Once you have purchased the SR22 insurance policy, you will need to file the SR22 certificate with the Texas DPS. You can do this online or by mail. The DPS will then verify your coverage and will notify you if you need to provide any additional documentation.

FAQ About SR22 Insurance Houston

What is the cost of SR22 insurance in Houston?

The cost of SR22 insurance in Houston varies depending on several factors such as your driving record, age, gender, and the type of vehicle you drive. Typically, SR22 insurance is more expensive than standard auto insurance due to the increased risk associated with drivers who require SR22 coverage. You can shop around for the best rates by getting quotes from multiple insurance companies.

How long do I need to maintain SR22 insurance in Houston?

The length of time you need to maintain SR22 insurance in Houston depends on the offense that resulted in the need for SR22 coverage. Typically, you will need to maintain SR22 coverage for a period of two years from the date of the offense. However, if you commit another offense during this time period, the duration of SR22 coverage may be extended.

What happens if my SR22 insurance lapses?

If your SR22 insurance lapses, your policy will be canceled, and the insurance company will notify the Texas DPS. This could result in the suspension of your driving privileges, fines, and other penalties. To avoid a lapse in coverage, you should make sure to pay your premiums on time and keep your insurance policy up to date.

Can I get SR22 insurance if I don’t own a car?

Yes, you can still obtain SR22 insurance in Houston, Texas, even if you don’t own a car. Non-owner SR22 insurance is available for drivers who don’t own a vehicle but still need to meet the state’s SR22 insurance requirements.

Do I need to file an SR22 certificate if I move out of Texas?

If you move out of Texas, you will need to file an SR22 certificate in the state where you are relocating to if that state requires it. Not all states require SR22 insurance, so you will need to check with your new state’s DMV or DPS to find out if you need to file an SR22 certificate.

Conclusion

If you have been convicted of a DUI or other serious driving offense in Houston, Texas, you may need to obtain SR22 insurance to have your driving privileges reinstated. SR22 insurance is a form of vehicle liability insurance that provides the Texas DPS with proof that you have obtained the minimum level of liability coverage required by law. To obtain SR22 insurance in Houston, you will need to contact an insurance company that offers this type of coverage, provide the necessary documentation, purchase the policy, and file the SR22 certificate with the Texas DPS. By following these steps, you can get back on the road and fulfill your legal requirements as a driver in Houston.