Texas SR-22 & High-Risk Auto Insurance
Texas requires 30/60/25 liability coverage and is an at-fault state.
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Texas 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
State Requirements
Drivers with DUI convictions, license suspensions for points or uninsured accidents, or repeat violations typically face an SR-22 filing requirement from the Texas Department of Public Safety. These minimums may leave high-risk drivers exposed to civil liability in serious at-fault accidents. Many non-standard carriers require higher limits as a condition of coverage for drivers with SR-22 requirements.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Collision and Comprehensive Coverage
Cost Overview
$47/mo
Typical monthly rate in Texas, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- Time since violation: DUI surcharges decline after 3 years and drop significantly after 5 years if no new incidents occur
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf 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
Frequently Asked Questions
Which insurance companies offer SR-22 in Texas?
Non-standard carriers that commonly file SR-22 in Texas include Acceptance Insurance, Dairyland, Bristol West, Clearcover, and Progressive's non-standard division. Standard carriers like State Farm, Allstate, and GEICO may decline SR-22 drivers or charge prohibitively high rates. Most SR-22 drivers remain with non-standard insurers for 2–3 years before transitioning to standard carriers as their record improves.
How do I remove an SR-22 requirement in Texas?
The SR-22 requirement ends automatically after 2 years of continuous coverage without lapses. Once the period expires, the Texas DPS stops monitoring your insurance status and you are no longer required to carry SR-22. Your insurer may automatically remove the filing, or you may need to request removal, which eliminates the SR-22 fee but does not immediately lower premiums tied to the underlying violation.
Does Texas require FR-44 or SR-22 for high-risk drivers?
Texas uses SR-22 certificates for financial responsibility filing. FR-44 is only required in Florida and Virginia. Texas SR-22 proves you carry at least 30/60/25 liability coverage and is required for DUI convictions, license suspensions, and uninsured accidents for a period of 2 years.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage to the Texas DPS. Required for DUI convictions, license suspensions, and uninsured accidents.
Liability Insurance
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.
Uninsured Motorist Coverage
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.
Non-Standard Auto Insurance
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.
Full Coverage (Comprehensive + Collision)
Covers damage to your own vehicle from accidents, weather, theft, and vandalism. Required if you finance or lease your car.
Personal Injury Protection (PIP)
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.