Texas SR-22 Insurance & High-Risk Auto Coverage
Texas requires 30/60/25 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordTexas 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Texas
Drivers convicted of DUI, caught driving without insurance, involved in at-fault accidents while uninsured, or who accumulate excessive violations typically receive an SR-22 requirement from the Texas Department of Public Safety. The SR-22 is not insurance itself but a certificate filed by your carrier proving you maintain continuous coverage at or above state minimums for the required period.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured/Underinsured Motorist Coverage
Non-Standard Auto Insurance
What Drivers Pay in Texas
$297–$393/mo
Typical monthly rate in Texas, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Time since offense: rates decline gradually after 3-5 years of clean driving
- SR-22 filing requirement: adds administrative cost and signals high-risk classification to insurers
- ZIP code: urban areas like Houston, Dallas, and San Antonio see higher rates due to accident density
- Age and experience: drivers under 25 with violations pay significantly more than older drivers with similar records
- Vehicle type: newer or high-performance vehicles cost more to insure after violations due to higher repair and theft risk
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
SR-22 Insurance
SR-22 is a certificate proving you maintain continuous liability coverage, filed by your carrier with the Texas DPS. Required after DUIs, suspensions, and uninsured operation for 2-3 years.
Non-Standard Auto Insurance
Non-standard carriers insure drivers with violations, lapses, or suspensions that standard insurers decline. Policies cost more but offer flexible payment plans and SR-22 filing.
High-Risk Auto Insurance
Coverage for drivers classified as high-risk due to DUIs, accidents, violations, or lapses. Premiums reflect elevated claims probability but provide legal compliance and financial protection.
Liability Insurance
Covers bodily injury and property damage you cause to others in at-fault accidents. Texas requires 30/60/25 minimums, but higher limits reduce your personal financial exposure.
Full Coverage
Combines liability, comprehensive, and collision to protect both your legal obligation and your vehicle. Required by lenders for financed or leased vehicles.
Uninsured Motorist Coverage
Protects you if an uninsured or underinsured driver causes an accident. Covers medical bills, lost wages, and vehicle damage when the at-fault driver lacks sufficient coverage.