SR-22 in Plano, TX

An SR-22 is a certificate of financial responsibility required by the state for certain drivers. This document proves that you carry the minimum required liability insurance.

In Texas, an SR-22 is typically required for drivers who have been convicted of certain traffic offenses, such as driving under the influence (DUI), driving without insurance or accumulating too many points on their driving record. It’s important to note that the SR-22 requirement is usually mandated by the court or the Texas Department of Public Safety (DPS).

Obtaining an SR-22 involves contacting your insurance provider and requesting that they file the certificate on your behalf. Not all insurance companies offer SR-22 filing services, so you may need to shop around to find one that does.

Once filed, the SR-22 must be maintained for a specified period, typically three years, during which you must keep your insurance policy active and avoid any lapses in coverage. Failure to do so can result in the suspension of your driving privileges.

Impact on Insurance Rates

Having an SR-22 requirement can significantly impact your auto insurance rates. Because the SR-22 is often associated with high-risk drivers, insurance companies may view you as a higher liability, leading to increased premiums.

It’s essential to understand that while the SR-22 itself is not expensive, the associated insurance costs can be substantial.

To manage these costs, consider working with a local insurance agent who specializes in high-risk policies. They can help you find the most affordable options and ensure you meet all legal requirements.

Additionally, maintaining a clean driving record and avoiding further traffic violations can help improve your insurance rates over time.

Contact Us

Contact Prime Time Insurance Services for an SR-22-compliant auto insurance quote. Our team can provide detailed information tailored to your specific situation and help you navigate the complexities of obtaining and maintaining an SR-22.