Non-Owned SR22

This certificate accompanies insurance that covers you while you are driving any vehicle, which you do not own or to which you do not have regular access. Many drivers will prefer to purchase a non-owners policy when they need an SR22 to meet the state’s requirements rather than request an SR22 certificate for a policy on a car they own. Because it provides more restricted coverage than does a standard auto liability policy, the non-owners policy is cheaper than a standard auto liability policy. Moreover, it is very easy to purchase, on line, 24/7, from any computer. You simply click on the “Non-Owned SR22” button above, answer four brief questions, obtain a quote, pay on line, print your documents, and go.

Owned SR22

The SR22 also attaches to a standard private passenger auto liability policy. This policy covers you as a driver in any car you are driving, including the car named on the policy and any non-owned vehicles you may be driving. Because of the broader coverage, the policy typically costs more that a “non-owners” policy and requires more information to underwrite. Nevertheless, the policy and attached SR22 are available from Statewide online, by clicking on the button “Owned Auto SR22” above.

Occupational License

The SR22 is required to obtain an “occupational license,” which is a special restricted license issued to persons who license has been suspended or revoked for certain offenses (other than medical reasons or delinquent child support.) An occupational license authorizes the operation of a non-commercial motor vehicle in connection with a person’s occupation, for educational purposes for in the performance of essential household duties. Requests for such licenses are made to the county or district court in the county of the license’s residence or to the court of original jurisdiction where the offense occurred.

For more information, go to the Texas Department of Public Safety website.