Texas SR-22 Insurance: Cost & Requirements 2025
Got a DUI, reckless driving ticket or lapse? Texas DPS will likely order an SR-22 filing.
The certificate itself is only ≈ $25, yet your premium can double without smart shopping.
Use the ZIP tool below to compare real high-risk quotes from GEICO, Progressive and non-standard carriers that start around $72/month.
← Back to the Texas Auto Insurance Guide
Compare SR-22 Quotes by ZIP Code
Enter your ZIP, choose liability-only or full coverage and lock in the lowest SR-22 rate today.
Texas High-Risk Auto Quote Form
Rates update in real time—no phone calls.Texas SR-22 Basics
- Who needs it? DUI/DWI convictions, uninsured crashes, too many points – or any license suspension.
- How long? Most drivers: 2 years of continuous proof. Serious offenses can run 3 years.
- Liability limits? Must meet the state minimum 30/60/25 rule.
- Filing fee: $25 one-time at most companies; DPS reinstatement adds $100.
Cheapest SR-22 Carriers (2025 data)
- Direct Auto – Houston from $72/mo
- The General – DFW from $76/mo
- Progressive – Austin from $79/mo
- GAINSCO – San Antonio from $83/mo
Keep Your Filing Active
A lapse resets the 2-year clock. Set calendar reminders or switch to auto-pay so the SR-22 stays on file until the DPS releases it.
FAQ – Texas SR-22 in 2025
Is an SR-22 the same as insurance?
No. It’s simply a certificate proving you purchased at least the minimum liability.
Can I drop full coverage to save money?
Yes—Texas only requires liability on an SR-22, but consider comp/collision if your car is financed.
Do I need a new SR-22 when I move?
If you leave Texas, you must file an out-of-state SR-22 and keep Texas minimum limits until the obligation ends.