Updated March 2026
State Requirements
Texas requires minimum liability coverage of 30/60/25: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. 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.
Cost Overview
High-risk auto insurance premiums in Texas are shaped by violation type, geographic location, and carrier availability. DUI convictions typically double or triple rates compared to a clean record, while SR-22 requirements for points-based suspensions or uninsured accidents add 40–80% to base premiums. Urban areas like Houston, Dallas, and Austin see higher rates due to accident frequency, theft, and uninsured driver density.
What Affects Your Rate
- Violation type: DUI convictions carry the highest surcharges, often 150–300% above clean-record rates for 3–5 years
- SR-22 filing requirement: adds $15–$50 to file and raises premiums 40–80% due to underwriting risk classification
- Urban vs. rural location: Houston, Dallas, and San Antonio drivers pay 20–35% more than rural Texas due to claim frequency and uninsured driver rates
- Age and experience: drivers under 25 with violations may face combined surcharges exceeding 400% of base rates
- Credit score: Texas allows credit-based insurance scoring, and high-risk drivers with poor credit may see premiums increase an additional 30–70%
- Time since violation: DUI surcharges decline after 3 years and drop significantly after 5 years if no new incidents occur
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage 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.
