Non owner SR22 Texas is high-risk insurance people need to purchase to reinstate their license when they don’t own a vehicle. The state may require you to carry non-owner insurance after certain motor vehicle offenses. Other circumstances can also result in a non owner SR22 requirement.
Reasons for non owner SR22 Texas insurance
The most common reasons Texas requires people to have SR22 insurance are:
- Driving an uninsured vehicle
- Getting excessive traffic tickets (points) on your record
- Driving under the influence of alcohol or drugs
- Unpaid fines
- A legal judgment or court order
You’ll find more detailed information about types of suspensions and withdrawals in Texas on the Texas DPS website.
How to reinstate your license
Buying SR22 insurance is a requirement for license reinstatement. But that alone doesn’t make you eligible. Depending on the circumstances of your license suspension, you may need to complete several requirements first. After you meet those conditions, you can purchase a non owner SR22 Texas insurance policy. Learn more about reinstating your license and about the SR22 insurance certificate.
After you get a non-owner insurance policy and file your SR22 certificate, you’ll have to keep your premiums up to date for up to three years. If you miss a payment, the state will immediately suspend your license again.
Do I have to keep SR22 insurance if I move out of state?
You have to maintain your SR22 obligation even if you relocate to another state. Some people move to another state and stop making payments or cancel their SR22 policy, which is a mistake. If you get a new state license, that state will suspend it if your non owner SR22 Texas policy lapses. All states honor another state’s SR22 obligation, even states that don’t have an SR22 program.
Suppose you move out of Texas and later buy a vehicle? In that case, you’ll need an owner-operator SR22 policy until you complete your Texas SR22 obligation.
UltraCar Insurance can assist you with any of the insurance scenarios described above. Talk with one of our licensed agents for a Texas non owner SR22 insurance quote or click the quote button now. You can be sure you’ll get the right advice for your situation.
This article was last updated on August 31st, 2020 by UltraCar Insurance