SR-22 Insurance: What El Paso, Laredo and McAllen Drivers Need to Know to Reinstate Their License 

After a DUI, license suspension or uninsured driving incident, some drivers may be required to obtain an SR-22 filing before their driving privileges can be reinstated. Licona Insurance Group can help drivers in El Paso, TX secure an SR-22 filing and maintain the required coverage.

What Is an SR-22?

An SR-22 is not a separate insurance policy. It is a certificate your insurer files with the state to verify that your auto liability coverage meets legal minimums. You may need one following a DUI conviction, an at-fault accident without insurance or a license suspension or revocation. If you already carry coverage, your insurer can often add the filing to your current policy.

Requirements and Maintenance

Texas requires drivers to maintain an active SR-22 filing for two continuous years starting from the date of their most recent triggering conviction or court judgment. Because continuous coverage is mandatory, even a temporary lapse can have serious consequences.

If a policy is canceled or lapses due to a missed payment, the insurance carrier must notify the Texas Department of Public Safety (DPS). This notification can immediately suspend your driving privileges, reset your mandatory two-year timeline to day one, and result in additional state reinstatement fees.

Impact on Your Premiums

An SR-22 filing indicates elevated risk, which can raise your auto insurance costs. For drivers in El Paso, Laredo and McAllen, rate adjustments may vary based on:

• Driving history: Prior citations or accidents, such as those that might trigger an SR-22 requirement, can affect your premium tier.
• Violation type: The nature of the offense may determine the final surcharge.

We Can Help You Reinstate Your License

With 55 years of trusted service to border communities, Licona Insurance Group can help you secure same-day coverage. Contact us today to request a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.