SR-22-compliant auto insurance is designed to meet the state’s minimum amounts of required insurance coverage. SR-22 is not insurance but rather a form from your insurer required by a court or state after a severe driving violation. The SR-22 proves that you are carrying the minimum required insurance coverage mandated by law.
Regular auto insurance is designed to provide financial protection against various risks associated with driving. It may help cover damage to your vehicle, medical expenses from injuries and liability for damages or injuries caused to others. Most policies include several types of coverage tailored to meet your unique needs. 
Key Differences Between SR-22 and Regular Auto Insurance
Regular auto insurance may help provide protection from everyday driving risks and is essential for all drivers. SR-22-compliant coverage only meets the state’s minimum requirements, often covering only third-party accident-related damages, up to the policy’s limits.
While regular auto insurance is typically renewed every six months or annually, SR-22-compliant coverage is often required for three years or longer, depending on the court or DMV’s order. Once the requirement period ends, you no longer need to maintain an SR-22. Still, according to Texas state laws, you must be able to prove financial responsibility for potential third-party injuries and property damage you may cause while driving.
Regular auto insurance premiums vary based on risk factors like driving history, age and vehicle type. Safe driving can lead to discounts and lower rates over time.
SR-22-compliant auto insurance typically costs more due to the associated risk profile. Insurance providers may view SR-22 drivers as higher-risk drivers, leading to increased costs. Some insurers won’t provide SR-22-compliant coverage for high-risk drivers. Your agent can help you find an insurer to issue a policy and file the form on your behalf.
Contact Us
If you have been ordered to file SR-22, work with an insurance professional who can guide you through the process and help ensure you meet both legal requirements and personal coverage needs. Contact Amco Auto Insurance in Houston, TX, for more information. Serving our community since 1987, we have the expertise to find you the right coverage for your circumstances.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.