Texas insurance glossary
Owner’s SR-22
An owner’s SR-22 is a certificate filed on a policy written against vehicles the driver owns, and it has to cover every vehicle registered to that driver.
Texas Transportation Code § 601.076 sets the required terms of an owner’s policy, and § 601.083 is explicit that an owner’s certificate reaches each motor vehicle the owner has. A filing made against one car while a second sits registered to the same person is not the filing the state asked for.
That is the trap in the term. A driver who sells one vehicle, buys another, or takes title to a household car has changed the facts the certificate was issued on, and the certificate has to follow.
The filing itself, and the vehicle list it needs, is the owner SR-22 page.
Sources: Tex. Transp. Code ch. 601 — Motor Vehicle Safety Responsibility Act; Texas DPS — SR-22 proof of financial responsibility FAQ (section 9). Verified .
A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .
Where this is handled
If a vehicle is registered to you, the certificate has to reach every one of them. Tell us what you own and we will file it correctly the first time.