Texas SR-22 & High-Risk Auto Insurance
Texas requires 30/60/25 liability coverage and is an at-fault state.
Find SR-22 Coverage NowTexas 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
These minimums apply to all drivers, but high-risk drivers with SR-22 requirements must maintain continuous coverage without lapses or face license suspension and requirement restarts. The Texas Department of Public Safety triggers SR-22 filing after DUI convictions, multiple at-fault accidents, driving without insurance citations, or accumulating excessive points within a 12-month period.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$399–$412/mo
Typical monthly rate in Texas, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf 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
How long do I need SR-22 in Texas after a DUI?
Texas requires SR-22 filing for 3 years from your conviction date or license reinstatement, whichever is later. Any lapse in coverage during that period restarts the 3-year clock from zero and triggers immediate license suspension. Maintaining continuous coverage without gaps is the only way to satisfy the requirement and avoid extensions.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Texas minimums are $30,000 per person and $60,000 per accident for injuries, plus $25,000 for property damage.
SR-22 Certificate Filing
Electronic proof of insurance filed by your carrier with the Texas Department of Public Safety. Required after DUI, multiple violations, or uninsured accidents.
Uninsured Motorist Coverage
Pays your medical bills and lost wages when you are hit by a driver with no insurance or limits too low to cover your injuries.
Collision Coverage
Repairs or replaces your vehicle after an at-fault accident, regardless of who caused the damage.
Comprehensive Coverage
Covers theft, vandalism, hail, flooding, and animal strikes. Does not cover collision with another vehicle or object.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, lapses, or multiple violations who cannot qualify for preferred carrier rates.