Texas SR-22 & High-Risk Auto Insurance

Texas requires 30/60/25 liability minimums for all drivers. High-risk drivers often face pressure to carry higher limits—50/100/50 or greater—because non-standard carriers may require it and because a DUI or at-fault accident on record increases lawsuit exposure. Texas is an at-fault state, meaning the driver responsible for an accident can be sued for damages beyond policy limits.

SR-22 is not a type of insurance but a certificate filed by your carrier to prove continuous coverage to the Texas DPS. It is required for drivers with DUI convictions, license suspensions for accumulated points, uninsured accidents, or multiple violations within a short period. The filing must remain active for 2 years without lapse, or the requirement period restarts and your license may be suspended again.

Texas does not require uninsured motorist (UM) or underinsured motorist (UIM) coverage, but insurers must offer it and you must reject it in writing. Approximately 14% of Texas drivers are uninsured—one of the highest rates in the U.S.—making UM/UIM coverage especially valuable for high-risk drivers who may already face financial strain from elevated premiums and cannot afford out-of-pocket costs after a hit-and-run or accident with an uninsured driver.

Texas requires insurers to offer PIP coverage of at least $2,500 for medical expenses and lost wages, but drivers may reject it in writing. High-risk drivers with limited savings may benefit from electing PIP to cover immediate medical costs after an accident without exhausting personal funds or relying on health insurance deductibles.

Collision and comprehensive coverage are not required by Texas law but are mandatory if you finance or lease a vehicle. High-risk drivers who carry an SR-22 requirement and finance a car will pay significantly higher premiums for full coverage due to violation surcharges, and some non-standard carriers may require higher deductibles ($1,000 or more) to offset underwriting risk.

State-minimum coverage for drivers with DUI, SR-22 requirement, or multiple violations. Non-standard carriers like Acceptance, Dairyland, and Bristol West typically serve this tier.

Higher liability limits often required by non-standard carriers for drivers with serious violations. Provides better protection against lawsuit exposure in at-fault accidents.

Required if financing or leasing. High-risk drivers face elevated comprehensive and collision premiums, with deductibles often set at $1,000 or higher by non-standard carriers to manage risk.

Certificate filed by your insurer proving continuous liability coverage to the Texas DPS. Required for DUI convictions, license suspensions, and uninsured accidents.

Covers bodily injury and property damage you cause to others in an at-fault accident. Texas requires 30/60/25 minimums, but many non-standard carriers require 50/100/50 or higher for SR-22 drivers.

Protects you if hit by a driver with no insurance or insufficient coverage. Texas has an uninsured driver rate near 14%, one of the highest in the nation.

Policies designed for drivers with DUI convictions, SR-22 requirements, lapses, or multiple violations. Carriers include Acceptance, Dairyland, Bristol West, and Progressive's non-standard division.

Covers damage to your own vehicle from accidents, weather, theft, and vandalism. Required if you finance or lease your car.

Covers medical expenses and lost wages for you and your passengers regardless of fault. Texas requires insurers to offer at least $2,500 in PIP, but you may reject it in writing.