Moon Insurance Managers, Inc. · TDI license #5595
Houston SR-22 insurance, filed from our office on FM 1959
Every SR-22 in Texas is the same certificate and goes to the same place — the DPS, electronically. What is different in Houston is that you can have it done from a desk inside the city, and that the ticket behind it was most likely heard by the city’s own courts.
We transmit the certificate the same business day you bind. The rules that apply everywhere — who has to file, and why the two years run from your conviction — are on the main SR-22 page.
Office, courts, DPS
- The office
- 360 FM 1959, 77034
- Our clock
- the same business day
- DPS clock
- up to 21 business days
- HPD tickets
- Municipal Courts, 1400 Lubbock St.
- 41years in Houston
- 20+markets compared
- Same dayDPS filing
- #5595TDI license
Inside the city
An office in Houston, not just near it
360 FM 1959, Houston, TX 77034, off FM 1959 near Ellington. The parcel sits inside full-purpose City of Houston limits, in Council District E — both the City’s and Harris County’s boundary layers agree. Several neighbourhoods a mile away are only limited-purpose Houston or sit outside the city, so that is a fact about this address, not about the whole southeast side.
What the office changes is how you do this, not what you get. You can sit across from the person binding the policy, hand over the court paperwork rather than read it down a phone, and leave knowing the certificate has gone. The hours are Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00.
What it does not change is the filing. The certificate is transmitted to the DPS electronically either way, and the DPS then takes up to 21 business days to post it to your record. You are insured from the moment you bind; the record catches up afterwards, and no office in Houston can make that second clock run faster.
Sources: City of Houston — city limit layer (HITS-GIS); Texas DPS — SR-22 certificate. Verified .
The city’s courts
Where a Houston ticket is actually heard
The City of Houston Municipal Courts hear fine-only cases, and the judge there cannot send anyone to jail for a ticket. The central courthouse is the Herbert W. Gee Municipal Courthouse, 1400 Lubbock Street, 77002, and five more locations sit across the city:
- Acres Homes / North
- 9455 West Montgomery, 77088
- Clear Lake
- 2855 Bay Area Boulevard, 77058
- Kingwood
- 3915 Rustic Woods, Kingwood, 77339
- Mykawa / Southeast
- 8300 Mykawa, 77048
- Westside
- 3203 South Dairy Ashford, 77082
Whether your ticket is here depends on who wrote it. Inside city limits, a municipal court shares jurisdiction over fine-only state offenses with the Harris County justice courts (Code of Criminal Procedure art. 4.14(b)) — so a Houston Police Department citation goes to Municipal Courts, while a ticket written out in unincorporated Harris County can only go to a justice of the peace. The county side of that, including which clerk takes an occupational license petition, is on the Harris County page.
Sources: City of Houston Municipal Courts; City of Houston Municipal Courts — locations; Code of Criminal Procedure art. 4.14 — municipal courts. Verified .
§§ 601.191, 601.231
How a Houston no-insurance ticket turns into a filing
Driving without insurance is a fine-only misdemeanor — $175 to $350, or $350 to $1,000 with a prior conviction (Tex. Transp. Code § 601.191) — which is why Municipal Courts hear it. A first conviction does not require an SR-22. A second does: once a prior conviction for the same offense is on record, the DPS suspends the license unless the driver files and keeps proof of insurance for two years from the later conviction (§ 601.231).
If you were insured and simply could not show it, the ticket should not become a conviction at all. The court has to dismiss once it verifies proof that was valid when the ticket was written (§ 601.193), and Houston accepts that proof by mail or email on or before your arraignment date. A policy bought after the ticket does not qualify. If you want deferred disposition on a no-insurance ticket instead, Houston requires you to ask in person.
The full decision table — first ticket, second, what the DPS waives — is statewide and lives in does a no-insurance ticket require an SR-22.
Sources: Tex. Transp. Code ch. 601; City of Houston — ticket dismissal; City of Houston — deferred disposition. Verified .
Before it gets worse
A missed Houston court date, and your license
The City of Houston lists what follows a missed court date or an unpaid ticket: a warrant, a separate failure-to-appear fine of $244, and a hold on renewing your driver license and registering your vehicle. Clearing the hold costs a $10 DPS notification fee for each case, and the warrant fee rose to $75 on 1 January 2026. The city runs a separate registration hold, which it calls Scofflaw, on vehicle owners with delinquent tickets.
The license hold comes from Transportation Code chapter 706, which is still law: bills to repeal it died in committee in 2023 and again in 2025. It blocks a renewal rather than suspending the license, and it is not one of the events that requires an SR-22 — but a driver who lets it sit is usually one ticket away from one that does. If you have missed a date, the Public Service Counter at 1400 Lubbock is open until 10 p.m. on weekdays.
Check your own record on the DPS License Eligibility system before you assume what is on it.
Sources: City of Houston — consequences of neglecting a ticket; Tex. Transp. Code ch. 706 — denial of renewal for failure to appear. Verified .
Art. 45A.357
Defensive driving for a Houston ticket, and your premium
For an eligible ticket, a driving safety course keeps the charge off your record. Texas law is blunt about what an insurer may do about it: nothing. A carrier may not cancel your policy or raise your premium because you completed the course or had a charge dismissed through it, and the dismissed charge may not be used for any purpose.
Eligibility is set by the Code of Criminal Procedure and applied by the city: you need a Texas license, no course taken in the previous twelve months, and proof of insurance, and commercial license holders are excluded, as are speeds of 95 mph or 25 mph over the limit. Houston’s court cost for a mandatory course is $144, or $169 in a school zone, and you have 90 days to finish it.
Sources: Code of Criminal Procedure ch. 45A, subchapter H; City of Houston — defensive driving; City of Houston — paying a ticket. Verified .
No obligation
Get your no-obligation quote
Tell us the situation, or bring the paperwork to FM 1959 and we will read it with you.
Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00. 360 FM 1959, Houston, TX 77034.
Houston questions we get every week
Do I have to come to the office to get an SR-22 in Houston?
No. The certificate goes to the Texas DPS electronically, so a filing made over the phone is the same filing as one made across a desk. The office is for the driver who would rather do it in person — it is at 360 FM 1959 in southeast Houston, open Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00.
Where do I pay or fight a Houston traffic ticket?
If the Houston Police Department wrote it, the City of Houston Municipal Courts. The central courthouse is the Herbert W. Gee Municipal Courthouse at 1400 Lubbock Street, and there are five other locations. The city takes payment online, by phone, by mail, through Western Union or in person — but the online link pays fines only, not a driving safety course or deferred disposition.
Will a no-insurance ticket in Houston mean I need an SR-22?
Not a first one. Under Tex. Transp. Code § 601.231, the DPS suspends the license of a driver convicted of driving without insurance when a prior conviction for the same offense is already on record, unless the driver files and keeps proof of insurance for two years from the later conviction. That proof is the SR-22.
I had insurance but could not show it. What do I do in Houston?
Send the court proof that you were insured on the date and time the ticket was written. Texas requires the court to dismiss the charge once it verifies proof that was valid at the time (§ 601.193), and the City of Houston accepts it by mail or email on or before your arraignment date. A policy bought after the ticket does not count.
What happens if I miss my Houston court date?
The city lists a warrant, a separate failure-to-appear fine of $244, and denial of your driver license renewal and vehicle registration until you clear it — with a $10 DPS notification fee for each case. The warrant fee rose to $75 on 1 January 2026. A renewal hold is not an SR-22 requirement, but it stops you renewing until the case is cleared.
Can taking defensive driving for a Houston ticket raise my insurance?
No. Texas forbids an insurer from cancelling a policy or raising the premium because you completed a driving safety course or had a charge dismissed through one, and a dismissed charge may not be part of your driving record (Code of Criminal Procedure art. 45A.357).
From the library
Further reading
- SR-22 filings9 min readWhat a Lapse in Car Insurance Actually Costs in TexasThe same event costs two completely different things depending on whether a filing is riding on the policy. Almost nobody explains which situation you are in.
- SR-22 filings8 min readDoes a No-Insurance Ticket Require an SR-22 in Texas?Texas DPS asks for an SR-22 after a second or subsequent no-insurance conviction — not a first. And if the vehicle really was insured that day, DPS says the requirement can be waived outright.
- SR-22 filings8 min readCan You Get an SR-22 Without a Valid License in Texas?A filing can usually be made while the license is invalid — Texas often wants it before reinstatement. Which of the five statuses you are in, and which policy the certificate rides on.
Related
- SR-22 filings — the main page The four triggers, the two-year clock, and the quote
- Harris County SR-22 filings The DPS offices, the three clerk routes, and the county fees
- What an SR-22 costs in Harris County The fee stack, and why two drivers on one street pay differently
- Does a no-insurance ticket require an SR-22? The statewide decision table, first ticket to third
- Non-owner SR-22 filings No vehicle — the filing rides on an operator’s policy
- Our Houston office Every line we write from FM 1959