Texas SR-22 Insurance & High-Risk Auto Coverage
Texas requires 30/60/25 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Texas at a Glance
30/60/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Texas
Drivers convicted of DUI, driving without insurance, repeat traffic violations, or at-fault accidents while uninsured typically face SR-22 filing requirements imposed by the Texas Department of Public Safety. The SR-22 certificate proves continuous coverage for a court-ordered period, and any lapse triggers license suspension and restarts the filing clock. High-risk drivers often need coverage above state minimums to satisfy reinstatement requirements and protect assets during the recovery period.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
What Drivers Pay in Texas
$286–$399/mo
Typical monthly rate in Texas, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- SR-22 filing duration remaining: rates begin declining 6–12 months before completion if no additional violations occur
- Texas location: urban areas like Houston, Dallas, and San Antonio show higher high-risk premiums due to accident density and uninsured driver rates
- Carrier specialization: non-standard carriers like Progressive, The General, and Acceptance Insurance offer SR-22 filing; standard carriers often decline or non-renew
- Coverage continuity: maintaining insurance without lapses for 12+ months before SR-22 requirement ends improves post-SR22 rate quotes significantly
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Occupational Driver License (Essential Need License)
application fee $10, about 21 days to process.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. Texas minimums are 30/60/25, but high-risk drivers benefit from 50/100/50 or higher to protect assets and reduce lawsuit exposure during the SR-22 period.
SR-22 Insurance
Certificate filed by your carrier with Texas DPS proving financial responsibility. The filing itself costs $15–$35, but premiums on the underlying policy increase significantly based on your violation.
Full Coverage
Liability plus comprehensive and collision. Required if you have a loan or lease, and maintains the strongest coverage profile when transitioning to standard carriers after SR-22 completion.
Uninsured Motorist Coverage
Protects you if an uninsured or underinsured driver causes injury or damage. Optional in Texas but valuable given the state's elevated uninsured driver rate.
Comprehensive Coverage
Covers non-collision damage like theft, hail, vandalism, and animal strikes. Mandatory if you have a loan, and demonstrates continuous physical damage coverage when shopping post-SR22.
Non-Standard Auto Insurance
Policies designed for high-risk drivers who cannot access standard carriers. Non-standard insurers actively write SR-22, accept recent violations, and offer flexible payment plans.