SR-22 Insurance in Temple, Texas

What Is SR-22 Insurance?

An SR-22 is not actually insurance—it's a certificate that proves you carry the minimum liability coverage required by Texas. If your license has been suspended due to a DUI, driving without insurance, or other serious violations, Texas requires an SR-22 filing before reinstating your driving privileges. For Temple drivers who need an SR-22, Winkler Insurance helps you file quickly and find affordable high-risk auto coverage.

We understand these situations are stressful. Our Temple agents handle SR-22 filings without judgment, helping you get back on the road legally.

Why Temple Drivers Need SR-22 Insurance

Texas requires SR-22 filings for specific violations. Here's when you might need one:

• DUI or DWI conviction. Driving under the influence triggers SR-22 requirements.


• Driving without insurance. Getting caught uninsured results in SR-22 requirements upon reinstatement.


• Too many violations. Accumulating points from multiple tickets can trigger SR-22 requirements.


• At-fault accidents without insurance. Causing a crash while uninsured leads to SR-22 filings.


• License reinstatement. After suspension, Texas often requires SR-22 to restore driving privileges.

How Does the SR-22 Process Work?

Getting an SR-22 involves these steps:

Purchase Auto Insurance
You must first have an active auto insurance policy that meets Texas minimum liability requirements.

Request SR-22 Filing
Your insurance company files the SR-22 certificate electronically with the Texas Department of Public Safety.

Pay Any Fees
Most carriers charge a small filing fee—typically $15 to $50.

Maintain Continuous Coverage
You must keep your insurance active for the entire SR-22 period, usually three years. Any lapse restarts the clock.

SR-22 Period Ends
After maintaining continuous coverage for the required period, you can request the SR-22 be removed.

How Long Do You Need an SR-22 in Texas?

Texas typically requires SR-22 filings for three years. The period begins when you file—not when the violation occurred. If your insurance lapses during this time, your carrier notifies the state, your license gets suspended again, and the three-year period restarts.

How Much Does SR-22 Insurance Cost in Texas?

The SR-22 filing itself costs $15 to $50. The bigger impact is on your auto insurance premium—expect rates to increase significantly after the violations that triggered your SR-22 requirement. High-risk auto insurance can cost $1,500 to $3,000 or more annually. Winkler Insurance shops multiple carriers to find Temple drivers the most affordable SR-22 coverage available.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas drivers navigate SR-22 requirements and find affordable coverage. As an independent agency, we work with carriers that specialize in high-risk auto insurance. Our Temple agents handle SR-22 filings efficiently and treat every client with respect. No judgment—just help getting you back on the road.

Get an SR-22 Insurance Quote in Temple, Texas

Our SR-22 insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.