{"id":12747,"date":"2026-10-18T17:18:56","date_gmt":"2026-10-18T22:18:56","guid":{"rendered":"https:\/\/www.liconainsurance.com\/?p=12747"},"modified":"2026-10-18T17:18:56","modified_gmt":"2026-10-18T22:18:56","slug":"sr-22-insurance-what-el-paso-laredo-and-mcallen-drivers-need-to-know-to-reinstate-their-license","status":"publish","type":"post","link":"https:\/\/www.liconainsurance.com\/es\/blog\/sr-22-insurance-what-el-paso-laredo-and-mcallen-drivers-need-to-know-to-reinstate-their-license\/","title":{"rendered":"SR-22 Insurance: What El Paso, Laredo and McAllen Drivers Need to Know to Reinstate Their License\u00a0"},"content":{"rendered":"<p>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.<\/p>\n<h2>What Is an SR-22?<\/h2>\n<p>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.<\/p>\n<h2>Requirements and Maintenance<\/h2>\n<p>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.<\/p>\n<p>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.<\/p>\n<h2>Impact on Your Premiums<\/h2>\n<p>An SR-22 filing indicates elevated risk, which can raise your <a href=\"https:\/\/www.liconainsurance.com\/coverage\/auto-insurance\/\">auto insurance<\/a> costs. For drivers in El Paso, Laredo and McAllen, rate adjustments may vary based on:<\/p>\n<ul>\n<li><b>Driving history:<\/b> Prior citations or accidents, such as those that might trigger an SR-22 requirement, can affect your premium tier.<\/li>\n<li><b>Violation type:<\/b> The nature of the offense may determine the final surcharge.<\/li>\n<\/ul>\n<h2>We Can Help You Reinstate Your License<\/h2>\n<p>With 55 years of trusted service to border communities, Licona Insurance Group can help you secure same-day coverage. <a href=\"https:\/\/www.liconainsurance.com\/contact-us\/\">Contact us<\/a> today to request a free custom quote.<\/p>\n<p><i>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.<\/i><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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. can help drivers in 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 [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":12749,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"%%post_title%% %%sep%% %%sitetitle%%","_seopress_titles_desc":"With 55 years of trusted service to border communities, Licona Insurance Group can help you secure same-day SR-22 or auto insurance coverage. 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