SR-22 and car insurance in Waco, TX
Waco is home to Baylor University, the birthplace of Dr Pepper and Magnolia Market at the Silos, with I-35, SH 6 and US 84 running through the city.
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How SR-22 works in Waco
An SR-22 isn't a type of insurance. It's a certificate your insurance company files with the Texas Department of Public Safety (DPS) to prove you carry at least the state minimum coverage. Texas usually requires one after a DWI, a drug offense, driving with an invalid license, or several convictions for driving without insurance, and you keep it for 2 years from your most recent conviction.
- Your insurance company files the SR-22 with DPS for you. DPS can take up to 21 business days to process it
- Keep the policy active the whole time. If it lapses, your license can be suspended again, and you'll need a new SR-22 and a $100 reinstatement fee
- A licensed agent can quote it today and explain your options
Texas minimum car insurance
Texas requires at least $30,000 for injuries per person, $60,000 per accident, and $25,000 for property damage, known as 30/60/25 coverage. Your SR-22 policy has to meet at least these limits.
No car? Non-owner SR-22 in Waco
If you don't own a car, Texas lets you meet the SR-22 requirement with a non-owner policy. It covers your liability when you drive a car you don't own. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →Local details for Waco drivers
- County
- McLennan County
- Main highways
- I-35, SH 6 and US 84
- Driver license office
- Find a DPS driver license office (by appointment)
- More Texas cities
- SR-22 insurance in Killeen, SR-22 insurance in College Station, SR-22 insurance in Fort Worth, SR-22 insurance in Dallas
Texas driver license offices are run by DPS and work by appointment. Find one and its hours with the DPS office locator.
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Waco SR-22 questions
Where do I file an SR-22 in Waco?
You don't file it yourself. Your insurance company files the SR-22 with Texas DPS, which can take up to 21 business days to process. You don't need to visit an office for the filing.
How long do I need an SR-22 in Texas?
Two years from the date of your most recent conviction. If you file it a year after the conviction, you only need to keep it for one more year.
Can I get an SR-22 in Waco if I don't own a car?
Yes. Texas allows a non-owner SR-22 policy, which covers you when you drive a car you don't own. A licensed agent can quote one today.
Do you have Spanish-speaking agents?
Yes. Switch this page to Español at the top, or call and ask for Spanish.
Texas SR-22 and car insurance quotes →
Sources: Texas DPS SR-22 FAQ · Texas Department of Insurance auto guide
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