SR-22 auto insurance is a document that proves that a driver has the required minimum amount of liability coverage on their insurance policy. Drivers are only required to have an SR-22 form filed in their state when they've committed certain motor vehicle violations.
An SR-22 is a Certificate of Financial Responsibility that gets filed when one of the below triggers occurs, and a court orders the form to be filed.
In some cases an SR22 may need to be filed by a person who doesn’t own a vehicle. This type of insurance is called SR22 Nonowners insurance. In Texas nonowners insurance is only available to drivers who do not own a vehicle or who do not have regular access to a vehicle.