What Progressive SR-22 Actually Costs in Texas
Progressive SR-22 insurance in Texas typically runs $85–$140 per month for state-minimum liability coverage after a DUI or suspension. That figure covers the $30,000/$60,000/$25,000 Texas liability requirement plus the SR-22 certificate filing — Progressive does not charge a separate filing fee on top of the premium. Your actual rate depends on your violation type, county, age, and driving history over the past three years.
Estimates based on available industry data; individual rates vary by driving history, vehicle, coverage selections, and location. Progressive operates in Texas through Progressive County Mutual Insurance Company (NAIC 24260), which is the legal entity that issues your SR-22 certificate to the Texas Department of Public Safety. The certificate will show County Mutual as the insurer of record, not the Progressive brand name — this is normal and does not affect DPS acceptance.
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Get Your Free QuoteProgressive SR-22 Filing Fee
$0
Progressive bundles the SR-22 certificate cost into your premium rather than charging a separate one-time filing fee. Most Texas carriers charge $15–$35 for the initial filing; Progressive's $0 filing fee is a competitive advantage for budget-constrained drivers.
Progressive Texas SR-22 policy documentation
How Progressive Files SR-22 in Texas
Progressive files your SR-22 certificate electronically with the Texas Department of Public Safety within 24 hours of policy activation. You do not need to request the filing separately — when you buy a policy and indicate SR-22 is required, Progressive's County Mutual entity transmits the certificate automatically. DPS receives the filing directly from the carrier; you never touch the physical certificate.
The SR-22 filing period in Texas is two years from the date DPS receives the certificate, not from your conviction or suspension date. If your policy lapses at any point during those two years, Progressive is legally required to notify DPS within 10 days, which triggers an immediate suspension. Texas does not offer a grace period for coverage gaps once SR-22 is required — continuous coverage is mandatory for the full two-year period.
You can verify your SR-22 is active by checking your Texas driver record online at txdps.state.tx.us or calling DPS Driver License Customer Service at 512-424-2600. The certificate will list Progressive County Mutual Insurance Company as the insurer. If the DPS record does not reflect the filing within 72 hours of policy activation, contact Progressive directly to confirm transmission.
Your SR-22 certificate will show Progressive County Mutual Insurance Company, not Progressive — DPS accepts this entity and it will clear your suspension requirement.
What You Need to Get Progressive SR-22 Coverage
You need your Texas driver license number or DPS-issued driver ID number, even if your license is currently suspended. Progressive cannot file SR-22 without a valid state ID number on record. If you lost your license card, the number is visible on your DPS driver record printout. You also need proof of your SR-22 requirement — this can be a suspension notice from DPS, a court order, or the reinstatement requirements letter DPS mailed after your suspension began.
Progressive writes SR-22 policies for drivers with DUI convictions, suspended licenses, excessive points, and uninsured violations in Texas. You do not need to own a vehicle to qualify — Progressive offers non-owner SR-22 policies that satisfy Texas reinstatement requirements without insuring a specific car. Non-owner policies cost less than standard policies because they cover only liability when you drive a borrowed or rental vehicle, not a vehicle you own.
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Progressive vs Other Texas SR-22 Carriers
Progressive competes in the standard-tier SR-22 market in Texas, which means their underwriting is stricter than non-standard carriers like Dairyland, The General, or GAINSCO, but they typically offer lower premiums than those carriers for drivers with single violations. If you have multiple DUIs, a suspended license from excessive points, or a high-risk violation stack, Progressive may decline coverage or quote rates above $200 per month.
Texas has 22 carriers writing SR-22 policies as of current state licensing data. Progressive's competitive advantage is their $0 filing fee, online quote process, and 24-hour certificate transmission to DPS. Non-standard carriers like Dairyland and Bristol West accept higher-risk profiles but charge $25–$35 filing fees and may take 3–5 business days to file the certificate. If Progressive declines your application or quotes above $150 per month, compare quotes from GAINSCO, Infinity, and National General — all write SR-22 in Texas and accept drivers Progressive turns down.
State Farm writes SR-22 in Texas through State Farm County Mutual Insurance Company of Texas but does not offer online quotes for SR-22 policies — you must work with a local agent. USAA writes SR-22 for eligible military members and their families but restricts new SR-22 applications to existing policyholders in most cases. Geico writes SR-22 in Texas and offers online quotes, but their rates for DUI drivers typically exceed Progressive's by 15–30 percent.
Texas SR-22 Filing Period
2 years
Texas requires SR-22 filing for two years from the date DPS receives the certificate, measured continuously. If your policy lapses even one day during that period, Progressive notifies DPS within 10 days and your license suspends again immediately.
Texas Transportation Code §601.153
What Happens If You Miss a Payment
Progressive offers a 10-day grace period for missed payments on SR-22 policies in Texas. If your payment is more than 10 days late, the policy cancels and Progressive transmits a cancellation notice to DPS the same day. DPS suspends your license immediately upon receiving that notice — there is no additional grace period or warning from the state.
To reinstate after a lapse, you must purchase a new SR-22 policy, pay the $125 Texas reinstatement fee, and wait for DPS to process the new certificate filing. The two-year SR-22 period resets from the date DPS receives the new certificate, not from your original filing date. A single one-day lapse can extend your total SR-22 obligation by months if you do not catch it immediately.
Compare Texas SR-22 Carriers Before You Buy
Progressive is one option among 22 carriers writing SR-22 in Texas. Their $0 filing fee and 24-hour electronic transmission make them competitive for single-violation drivers, but if Progressive quotes above $140 per month or declines your application, you have alternatives. Dairyland, The General, GAINSCO, and Bristol West all write non-standard SR-22 policies in Texas and accept higher-risk profiles Progressive turns down. Non-owner SR-22 policies from these carriers typically run $65–$110 per month for drivers without a vehicle.
Use the Texas SR-22 carrier comparison tool to pull quotes from multiple carriers at once. You enter your violation type, county, and coverage needs once — the tool returns rate estimates from carriers licensed to write SR-22 in your area. Most Texas SR-22 drivers save 20–35 percent by comparing at least three carriers before committing to a policy.