SR-22 in Texas
Texas requires SR-22 insurance for Up to 2 years after qualifying offenses. You must carry at least $30,000/$60,000 bodily injury and $25,000 property damage coverage. Common triggers include dui/dwi conviction, driving without insurance, license suspension. Texas has higher minimum coverage requirements than many states (30/60/25).
Last updated:
Overview
In Texas, an SR-22 form is required to assure the state that a high-risk driver has the minimum required coverage. The state requires drivers to have a minimum of $30,000/$60,000 bodily injury and $25,000 property damage.
Key Facts
Coverage for the described requirement
What Triggers SR-22 Requirement
- DUI/DWI conviction
- Driving without insurance
- License suspension
- At-fault accident while uninsured
Use an actual policy quote
Request the full policy-term premium, separate fees, payment schedule, coverage and certificate filing in writing. A generic surcharge or multi-year estimate is not your quote.
Compare entered policy quotesHow to File
Contact Your Insurance Provider
Call your current auto insurance company and request an SR-22 filing. Not all insurers offer SR-22 — if yours doesn't, you'll need to find a new provider. Compare quotes from multiple companies to find the best rate.
Purchase Required Coverage
Ensure your policy meets Texas's minimum requirements: $30,000/$60,000 bodily injury and $25,000 property damage. You'll also need PIP coverage.
Insurer Files SR-22 with the State
Your insurance company electronically files the SR-22 certificate with the Texas DMV/motor vehicle agency. This usually takes 1-3 business days. You'll receive a confirmation copy.
Apply for License Reinstatement
Once the SR-22 is on file, complete your license reinstatement process including paying the reinstatement fee and any outstanding fines or court costs.
Maintain Continuous Coverage for Up to 2 years
Keep your SR-22 insurance active for the full required period of Up to 2 years without any lapses. Set up autopay to avoid missed payments. If your policy lapses, your insurer will notify the state and your license may be re-suspended.
If you do not own a vehicle
Tell the insurer about vehicles you own, regularly use or can access in your household or employment. Ask which policy covers that use and supports the required certificate. Confirm its exclusions and the licensing authority’s acceptance; no fixed non-owner price or automatic reinstatement follows.
What Happens If Coverage Lapses
If your SR-22 insurance lapses in Texas, your insurer is required to notify the state DMV by filing an SR-26 form. This will likely result in immediate license suspension, potential fines, and a restart of the full SR-22 filing period (Up to 2 years). Avoid any gaps in coverage by setting up automatic payments.
Important Notes
Texas has higher minimum coverage requirements than many states (30/60/25).
Frequently Asked Questions
- How long do I need SR-22 insurance in Texas?
- In Texas, you typically need to maintain SR-22 insurance for Up to 2 years. The clock starts from the date your SR-22 is filed with the state. Any lapse in coverage may reset this timeline.
- How much does SR-22 insurance cost in Texas?
- Get a current written quote for the required coverage and certificate. Separate the full policy-term premium from any filing or installment fees; ask what is already included. This guide does not supply a local premium, a fixed surcharge or a multi-year price promise.
- What triggers SR-22 requirement in Texas?
- Common triggers include: DUI/DWI conviction, Driving without insurance, License suspension, At-fault accident while uninsured. The specific requirement depends on the offense and may be determined by the court or DMV.
- What happens if my SR-22 lapses in Texas?
- If your SR-22 policy lapses, your insurance company is required to notify the Texas DMV. Your license will likely be re-suspended, and you may need to restart the entire SR-22 filing period from the beginning. You could also face additional fines and penalties.
- What are Texas's minimum coverage requirements for SR-22?
- Texas requires minimum coverage of $30,000 per person / $60,000 per accident for bodily injury and $25,000 for property damage. PIP (Personal Injury Protection) is also required.
Take Action — Direct Links
- DMV.org: third-party Texas guide
Commercial third-party guide. Confirm requirements with the government authority that issued your notice.
- Texas Minimum Insurance Requirements
Insurance Information Institute — Texas minimum coverage: $30,000/$60,000/$25,000.
- Compare SR-22 Insurance Quotes
Compare SR-22 insurance quotes from multiple providers to find the best rate.
More for Texas
Suspension periods, IID requirements, penalties, and step-by-step reinstatement process.
Reinstatement fees, restricted license options, IID requirements, and timeline.
Related Guides
Related Resources on This Site
More for your state
- DUI RecoveryDUI license recovery in Texas
- License ReinstatementLicense reinstatement in Texas
- DUI LawsDUI laws & penalties in Texas
- Ignition InterlockIgnition interlock (IID) in Texas
- Jobs by CityFelony friendly jobs in Houston, TX
- Jobs by StateJobs for felons in Texas
- HousingSecond chance apartments in Houston, TX
- ExpungementTexas expungement guide
Helpful guides
- TransportationCar Insurance With a Suspended License: Companies, Costs & SR-22
- License ReinstatementDriver's license reinstatement by state
- Banking & CreditBudget Planning After Criminal Record or Bankruptcy
- ToolsReentry Checklist — Preparation Steps After Release