 Written by Ben Breiner | Reviewed by Pamela Goforth, Licensed Insurance Agent | Updated Sept 3, 2026 Content reviewed for accuracy by a Texas-licensed insurance professional. |
To drive a company vehicle with an SR-22 requirement, you must confirm your insurance company has filed the SR-22 form with TxDPS, proving you carry the minimum required auto liability coverage (see our complete guide to what an SR-22 is if you’re not familiar with how it works). This requirement is typically court-ordered after serious driving incidents, such as DUIs or repeat offenses. Your insurance provider submits the form for a filing fee, usually between $15 and $50, and you must maintain continuous coverage to prevent license suspension — any lapse has to be reported to the state.
Understanding SR-22 Requirements
When you’re required to have an SR-22, it’s essential to understand what this form entails and how it affects your driving privileges.
An SR-22 is a document filed with TxDPS to prove you carry the minimum required auto liability insurance. It’s not insurance itself, but a certificate from your insurer confirming you meet Texas’s liability coverage requirements.
You might need an SR-22 if you’ve been convicted of DUI, have serious or repeat traffic offenses, were in an at-fault accident without insurance, or have a suspended or revoked license.
In Texas, this requirement runs for a fixed two years from the date of the offense. Continuous insurance coverage is mandatory throughout, and any policy lapse must be reported to TxDPS. If you don’t personally own the company vehicle you’re driving, non-owner SR-22 insurance may still apply to you for situations outside of work.
Once the two-year period is complete, the SR-22 requirement is lifted. Your insurance company handles the filing on your behalf.
Obtaining SR-22 Insurance for Businesses
If you or one of your employees needs an SR-22 due to a driving violation, it’s worth understanding how this affects your business.
The requirement is typically state or court-ordered after incidents like DUIs or reckless driving. To obtain SR-22 insurance, you need a regular car insurance policy that includes at least Texas’s minimum liability coverage.
Your insurance company files the SR-22 form with TxDPS on your behalf. Make sure the provider is properly licensed in Texas and can meet filing deadlines to avoid penalties.
When comparing insurers, weigh both cost and coverage quality, considering factors like driving record and the type of vehicle involved. Maintaining continuous liability coverage throughout the SR-22 period is essential to stay compliant.
Maintaining Continuous Coverage
Maintaining continuous coverage is critical when you or an employee needs an SR-22. Any lapse can lead to license suspension, so it’s important to keep the policy active without gaps — even a brief gap in coverage carries real consequences, including resetting the entire filing period.
Your insurance company must notify TxDPS if the policy lapses or expires during the SR-22 period, which can lead to further penalties, including higher premiums or renewed filing fees.
Track renewal dates and set up automatic payments or reminders to ensure timely renewal. If switching providers, confirm the new policy is active before canceling the old one to avoid any gap.
Meeting Texas’s minimum liability coverage requirements and staying compliant is essential to keep your driving privileges. Continuous coverage also helps you avoid complications tied to a DUI/DWI conviction affecting your insurance situation going forward.
Factors Affecting Premiums and Benefits
Driving a company vehicle with an SR-22 requirement involves several factors that affect your insurance premiums.
Your driving record plays a major role — serious offenses like DUIs or reckless driving can significantly increase premiums. The type and age of the vehicle matter too, as newer or more expensive vehicles generally cost more to insure.
Location is another factor, with urban areas typically carrying higher rates than rural ones. For businesses, the driving history of employees operating company vehicles also affects overall premiums.
Higher coverage limits and lower deductibles increase premiums, while higher deductibles lower them but raise your out-of-pocket cost if you need to file a claim. Credit history can also influence rates in some cases.
Conclusion
Driving a company vehicle with an SR-22 requirement means confirming your insurer has properly filed with TxDPS and maintaining continuous coverage throughout the two-year period. Staying on top of renewal dates and reporting any changes promptly is what keeps both you and your business compliant — and avoids the cost and disruption of a lapse-triggered suspension.
| Written by Ben Breiner | Reviewed by Pamela Goforth, Licensed Insurance Agent | Updated Sept 3, 2026 Content reviewed for accuracy by a Texas-licensed insurance professional. |