Personal auto
If the state told you to file an SR-22 before you can drive again, we’ll find a carrier that writes it, file it for you and keep it in place for as long as the state requires.
Or call
The short answer
An SR-22 isn’t a type of insurance. It’s a certificate your insurance company files with the state to prove you carry at least the minimum liability coverage. Texas DPS and the Georgia DDS require one before reinstating certain suspended licenses. In Texas you keep it for two years; in Georgia, three. If the policy cancels, the insurer tells the state.
Texas
Filed with DPS, kept for 2 years
Georgia
SR-22 or SR-22A with DDS, kept for 3 years
No car?
Non-owner policies can carry the filing
Auto carriers
30+
The state asks for an SR-22 when it wants proof, going forward, that you won’t drive uninsured. In Texas, the Department of Public Safety requires it after certain license suspensions, such as a suspension after a crash, a second conviction for driving without insurance, or a court judgment against you. In Georgia, the Department of Driver Services requires an SR-22 to reinstate a license suspended for DUI, and an SR-22A after more than one conviction for driving without insurance.
The filing itself is simple. Finding a carrier is the hard part: many companies won’t write a driver who needs one, and the ones that will price it very differently. With 30+ auto carriers, we can usually find several that will, then file the form the same day the policy starts.
1
The suspension notice or court paperwork says which form you need and for how long. Send it, or read us the key lines over the phone.
2
We shop the carriers that write SR-22 drivers and show you the prices side by side, including a non-owner policy if you don’t have a car.
3
Once you choose a policy, the insurance company sends the SR-22 or SR-22A to the Texas DPS or the Georgia DDS. You’ll get a copy for your records.
4
Keep the policy active for the full period. If it cancels, the insurer notifies the state and your license can be suspended again.
Both states use the SR-22 the same basic way, but the details differ. These are the ones that catch people out.
Checklist
Have these in front of you and we can usually quote the same day.
1
The suspension notice, court order or letter that says you need an SR-22
2
Your driver’s license number and date of birth
3
The vehicle’s VIN, or year, make and model, unless you need a non-owner policy
4
Any tickets, accidents or claims in the last five years
5
The date you need the filing to start
Texas DPS requires you to keep the SR-22 for two years. The clock starts on the date of the conviction that required it or, for a crash judgment, the date the judgment was rendered. If the policy cancels during that time, your insurer notifies DPS, so keep payments current or call us before a payment is missed.
Both prove you carry Georgia’s minimum liability insurance. Georgia DDS asks for an SR-22 to reinstate a license suspended for DUI and an SR-22A after more than one conviction for driving without insurance. Either one must stay on file for three years. Tell us which one your notice names and we’ll quote carriers that file it.
Yes. A non-owner policy covers you when you drive cars you don’t own, such as a borrowed or rented car, and it can carry the SR-22 filing. It usually costs less than a policy on a vehicle, and it keeps your filing in place until you buy a car.
The filing fee is small. The cost is in the policy, because the same violation that led to the SR-22 raises your rate. Carriers weigh those violations very differently, which is why quoting several of them matters more for SR-22 drivers than for anyone else.
Keep the filing for the full period the original state set. Your new policy has to be written by a carrier that can file in that state. Call us with the original state’s notice and we’ll quote carriers that can keep the filing going without a gap.
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You give one agent your drivers, vehicles and driving history, and the agent quotes that same information with several carriers at once.
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