SR-22 Insurance in Texas
Quick answer: Texas requires drivers with certain violations to file a SR-22 for 2 years. The filing fee is $15 and the average SR-22 policy costs about $165/month. The best carriers for Texas are Direct Auto, The General, Dairyland (Sentry).
Texas requires SR-22 for a minimum of 2 years after a DWI, driving without insurance, or a serious accident. Filing is done electronically with TxDPS.
Texas SR-22 at a glance
| Form Required | SR-22 |
|---|---|
| Filing Fee | $15 (one-time) |
| Filing Period | 2 years continuous |
| Minimum Liability | 30/60/25 ($1,000s: BI/person / BI/accident / PD) |
| Avg Monthly Cost (SR-22) | $165 |
| Typical DUI License Suspension | 12 months (first offense) |
| DMV Website | www.txdps.state.tx.us/ |
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Best SR-22 insurance companies in Texas
These carriers are the top-rated SR-22 providers for Texas drivers based on price, filing speed, and financial strength:
| Rank | Company | Starts At | SR-22 Filing | Notes |
|---|---|---|---|---|
| 1 | Direct Auto | $80/mo | Yes | Regional; strong for SR-22 in TX, GA, TN, MS. |
| 2 | The General | $85/mo | Yes | Low down-payment options and monthly billing. |
| 3 | Dairyland (Sentry) | $75/mo | Yes | Purpose-built non-standard carrier. Fast electronic filing. |
How to get an SR-22 in Texas: step-by-step
- Confirm the requirement. Check your Texas DMV letter or driver record for the exact filing requirement and start date.
- Get quotes from 3+ carriers. Focus on non-standard specialists: Direct Auto, The General, Dairyland (Sentry).
- Bind a policy and request SR-22 filing. Pay the $15 filing fee and any required down payment.
- Wait 24–48 hours for electronic filing. Texas DMV updates records daily.
- Pay the Texas reinstatement fee if required. Check your DMV letter — this is separate from the SR-22 filing fee.
- Maintain the policy continuously for 2 years. Any lapse restarts the clock and re-suspends your license.
Watch out for Texas-specific rules
Texas DUI suspensions last 12 months for a first offense. Do not let your policy lapse — Texas DMV is notified within 10 days and will automatically re-suspend your license.
Texas DUI insurance costs
After a DUI in Texas, most drivers see their premium rise 70–110%. Average full-coverage premium climbs from about $87/month (clean record) to about $165/month (with SR-22). Some carriers non-renew after DUI, so non-standard specialists are usually your best bet.
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We match you with high-risk carriers who file SR-22 fast — same-day filing available.
Get My Free Quote →Or call 1-800-555-0139 to speak with a licensed agent.
Frequently Asked Questions
How much does SR-22 insurance cost in Texas?
The average SR-22 policy in Texas costs about $165/month for full coverage, plus a one-time $15 filing fee. Non-standard carriers like Direct Auto and The General typically offer the lowest rates.
How long is SR-22 required in Texas?
Texas requires SR-22 to be maintained for 2 years continuously. Any lapse in coverage restarts the 2-year clock and triggers an automatic license suspension.
What is the minimum liability in Texas?
Texas's minimum liability limits are 30/60/25 (bodily injury per person / per accident / property damage, in $1,000s). Your SR-22 must certify at least these limits.
Does Texas use SR-22 or FR-44?
Texas uses SR-22.
How do I file an SR-22 in Texas?
In Texas, your insurance carrier files the SR-22 electronically with the Texas DMV. You never file it yourself. Choose a carrier that files SR-22 (see below), pay any down payment, and request filing when you bind the policy. Filing is usually complete within 24–48 hours.