Texas SR-22 & High-Risk Auto Insurance
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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers with DUI convictions, suspended licenses, or multiple violations may be required to file SR-22 proof of financial responsibility for 2 years. Texas uses a point system where accumulating 6 points in 3 years triggers surcharges, and most moving violations add 2–3 points to your license. For drivers with points from tickets or accidents, SR-22 is rarely required unless the violation involves license suspension or uninsured driving.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$297–$393/mo
Typical monthly rate in Texas, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- SR-22 filing requirement adds 2-year elevated premium period even after points drop off your record
- Points on license: Texas adds 2–3 points per moving violation, and accumulating 6 points in 3 years triggers Driver Responsibility Program surcharges
- Coverage lapses: any gap in coverage during SR-22 period resets the 2-year clock and may add additional rate penalties
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 last in Texas?
Texas requires SR-22 filing for 2 years from the date of license reinstatement following DUI, uninsured driving, or serious violations. If your policy lapses or is canceled during the 2-year period, the SR-22 clock resets and your license will be suspended immediately. You must maintain continuous coverage for the full 2 years to satisfy the requirement.
How long do points stay on my license in Texas?
Points from moving violations remain on your Texas driving record for 3 years from the conviction date. Most violations add 2 points, while more serious offenses add 3 points. Accumulating 6 or more points within 3 years triggers Driver Responsibility Program surcharges, but the points themselves fall off automatically after 3 years and no longer affect your insurance rates.
What happens if my SR-22 insurance lapses in Texas?
If your SR-22 policy lapses or is canceled, your insurance carrier must notify the Texas DPS within 10 days. Your driver's license will be suspended immediately, the 2-year SR-22 requirement resets from the new reinstatement date, and you will need to pay reinstatement fees again to restore your driving privileges. Maintaining continuous coverage for the full 2 years is critical.
How can I lower my insurance rates after a DUI in Texas?
After a DUI, maintain continuous SR-22 coverage for the full 2-year requirement, avoid additional violations, and complete any court-ordered programs. Rates typically begin to decrease 3–5 years after the conviction as the violation ages off your record for rating purposes. Shopping among non-standard carriers annually and considering higher deductibles can also reduce premiums during the high-risk period.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Texas minimums are 30/60/25, but high-risk drivers should consider higher limits to protect assets and reduce out-of-pocket exposure in serious accidents.
SR-22 Insurance
Proof of financial responsibility filed by your carrier with the Texas DPS. Required for 2 years following DUI, uninsured driving, or license suspension. Lapse resets the clock.
Non-Standard Auto Insurance
Coverage for drivers who cannot qualify for standard policies due to violations, suspensions, or SR-22 requirements. Non-standard carriers specialize in high-risk profiles and may offer payment plans.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage if you're hit by a driver with no insurance. Optional in Texas but recommended given the state's high uninsured driver rate.
Full Coverage
Liability, collision, and comprehensive combined. Required if you have a car loan or lease, and provides broadest protection for your vehicle and liability exposure.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders and useful for high-risk drivers who cannot afford to replace a totaled vehicle out-of-pocket.