The table below compares auto insurance quotes for a 33-year-old man in Houston without SR-22 coverage against a 33-year-old man with SR-22 coverage and a DUI (driving under the influence) charge, along with the premium increase in rates for each insurer.
Coverage required for an SR-22 Certificate In Houston
What is an SR-22 Insurance ?
SR-22 is not an actual insurance policy as commonly misconceived. SR-22 is a filing, or an add-on, that is added to a personal automobile liability insurance policy. Not all insurance carriers offer SR-22 filing. An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. This form serves as proof your auto insurance policy meets the minimum liability coverage required by state law.
Houston DMV requires an SR-22 from a driver to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense, such as a DUI. An SR-22 insurance certificate is also required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI.