SR-22 Insurance — Texas
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
Minimum Coverage Requirements in Texas
Texas operates under a tort liability system — if you cause an accident, your liability coverage pays the other party's damages. The Texas Department of Public Safety requires proof of financial responsibility through continuous insurance coverage. If your license was suspended for DUI, driving uninsured, excessive points, or unpaid tickets, you typically need SR-22 filing to prove you carry coverage before reinstatement.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
What Drivers Pay in Texas
$286–$399/mo
Typical monthly rate in Texas, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Find a Texas Policy That Covers Your Filing
Get My Texas SR-22 Auto Insurance QuoteIf 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 typically requires SR-22 filing for 2 years after license reinstatement following a DUI conviction, measured from the reinstatement date, not the conviction date. The Texas Department of Public Safety sets the duration based on your violation — some repeat offenders or aggravated cases require 3 years. If your policy lapses during this period, your insurer notifies DPS within 10 days and your license suspends again immediately.
Can I get my Texas license back if I live out of state but was suspended in Texas?
Yes, but you must satisfy Texas reinstatement requirements regardless of where you currently live. You need an SR-22 policy filed with the Texas Department of Public Safety by an insurer licensed to write coverage in Texas. Some out-of-state insurers will not file Texas SR-22 forms — verify your carrier writes SR-22 in Texas specifically before purchasing. Once filed, you can complete reinstatement through Texas DPS by mail or online in most cases.
Does Texas require SR-22 for driving without insurance?
Yes — if you are convicted of driving uninsured in Texas or if your license is suspended for failure to maintain financial responsibility, the Texas Department of Public Safety typically requires SR-22 filing for 2 years from reinstatement. You must carry continuous coverage during this period. A single day of lapse triggers an SR-26 cancellation notice, immediate suspension, and restarts your 2-year requirement from the beginning.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry Texas minimum liability coverage. Required for most license reinstatements after suspension.
Non-Owner SR-22
Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to satisfy reinstatement requirements.
Liability Insurance
Covers bodily injury and property damage you cause to others. Required in Texas at 30/60/25 minimums.
Uninsured Motorist Coverage
Pays your medical bills and property damage when hit by a driver with no insurance or insufficient coverage.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers — those with DUIs, suspensions, lapses, or poor credit who cannot obtain standard market policies.