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Texas insurance glossary

SR-22A

An SR-22A is the Texas-only certificate filed alongside an ordinary SR-22 on the security-deposit route out of a crash suspension, certifying six months of premium paid in advance.

Sources checked

It proves the same thing an ordinary SR-22 proves. What differs is the payment term: the policy behind an SR-22A is paid six months ahead, so a driver cannot satisfy an order and then let the policy fall over a month later.

A driver does not choose between the two, and the trigger is narrower than most pages say. Texas DPS asks for an SR-22A on one route: a driver suspended after an uninsured crash who clears it by depositing security with the state rather than settling. Both certificates are filed together. DPS’s enforcement chart lists repeat no-insurance and mandatory-conviction cases as SR-22 requirements, with no SR-22A among them.

The notice or order in the driver’s hand says which one Texas wants, and reading that document to the agent rather than relying on memory is what stops a filing being made on the wrong form.

Texas DPS lists both certificates in its financial responsibility material. For the process around it — how SR-22A fits the Texas crash-security process, and why a judgment suspension is a different case with different forms — see the full guide. The filing itself is arranged on the SR-22 page.

Sources: Texas DPS — Financial Responsibility Insurance Certificate (SR-22); Texas DPS — Crash suspension and the security-deposit option; Texas DPS — Driver License Enforcement Actions (DL-176); 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 .

See also

  • SR-22 An SR-22 is a certificate a Texas insurer files with the Department of Public Safety to prove a driver carries at least the minimum liability coverage Chapter 601 requires.
  • Premium A premium is the amount charged for an insurance policy for a stated term, calculated from a carrier’s rates as filed with the Texas Department of Insurance.
  • Proof of insurance Proof of insurance is the evidence a Texas driver must be able to show on request that financial responsibility is established for the vehicle they are operating.
  • SR-26 An SR-26 is the notice a carrier files with the Department of Public Safety when a certified SR-22 policy is cancelled, terminated or allowed to lapse.

Where this is handled

A definition does not file anything. When the suspension date is closer than the research, one independent agency on FM 1959 can transmit the SR-22 to the DPS and tell you what the state wants before you pay anyone anything.

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