SR-22 Insurance – Austin TX & Houston TX – Dowd Insurance Agency
SR-22 Insurance in Texas
Serving Austin, San Antonio, Houston and surrounding areas
Need an SR-22 in Central Texas? We’ll Get You Back on the Road.
At Dowd Insurance Agency, we believe a mistake in the past shouldn’t keep you from your future. Whether you’re commuting into Austin or driving the backroads of Bulverde, needing an SR-22 can feel overwhelming. The good news? It’s not actually a “special” type of insurance—it’s just a piece of paper that proves you’re covered.
We’re here to simplify the process and find you the most affordable rate in the Lone Star State.
What is SR-22 Insurance, Exactly?
Despite the name, an SR-22 is not an insurance policy. It is a Financial Responsibility Certificate issued by an insurance company and filed with the Texas Department of Public Safety (DPS).
Think of it as a “verification receipt.” It tells the state of Texas that you have at least the minimum required liability insurance. If your policy cancels or lapses, the insurance company is legally required to notify the DPS immediately, which usually leads to a license suspension.
Why Do I Need an SR-22?
In Texas, the court or the DPS may require an SR-22 filing for several reasons:
- DUI or DWI convictions
- Driving without insurance (especially if involved in an accident)
- Too many points on your driving record within a short time
- Drug-related offenses
- Occupational License requirements (to drive to work while your license is suspended)
Coverage Options: What’s Included?
When you get an SR-22 through Dowd Insurance, you are purchasing a standard auto policy with the filing attached. In Texas, you must carry at least the 30/60/25 liability limits:
| Coverage Type | What it Pays For | Texas Minimum Requirement |
| Bodily Injury | Medical bills for other people if you cause an accident. | $30,000 per person / $60,000 per accident |
| Property Damage | Repairs for someone else’s car or property (fences, buildings). | $25,000 |
| Uninsured Motorist | Protects you if an at-fault driver has no insurance. | Optional (but highly recommended) |
| Comprehensive/Collision | Repairs for your car after a theft, fire, or crash. | Optional (required if you have a car loan) |
Pro Tip: If you don’t own a car but need an SR-22 to keep your license, ask us about a Non-Owner SR-22 Policy. It’s often the cheapest way to satisfy the state’s requirements.
Frequently Asked Questions
How much does an SR-22 cost?
The filing fee itself is usually a small, one-time charge (often $15–$25). However, the underlying insurance premium will likely be higher because the violation that triggered the SR-22 places you in a “high-risk” category. At Dowd Insurance, we shop multiple carriers to find the one that treats your specific situation most leniently.
How long do I have to keep the SR-22?
In Texas, the requirement typically lasts for two years from the date of your conviction or the date your suspension ended. It’s vital that you don’t let the policy lapse for even one day during this period, or the clock might start all over again.
Can I get an SR-22 the same day?
Yes! We specialize in fast filings. Once you start your policy, we can often file the certificate electronically with the Texas DPS so you can get your driving privileges restored as quickly as possible.
Why Choose Dowd Insurance Agency?
We aren’t a giant, faceless call center. We are your neighbors in Central Texas. We understand the local courts and the Texas DPS requirements. When you call us, you get a real person who knows the Austin, San Antonio, and Hill Country area.
Ready to get back behind the wheel?
Contact Dowd Insurance today!