Texas SR-22 Insurance After DUI
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 as a tort state, meaning the at-fault driver's insurance pays for damages. The Texas Department of Public Safety requires continuous SR-22 filing for 2 years following a DUI conviction, beginning from your license reinstatement date, not your conviction date. Your SR-22 must remain active without any lapse for the full 24 months or the clock resets to day one.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in Texas
$399–$412/mo
Typical monthly rate in Texas, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- First-offense DUI with BAC under 0.15 costs approximately 85 percent more than a clean-record Texas driver, while aggravated DUI (BAC 0.15 or higher, minor in vehicle) runs 120–150 percent above baseline rates.
- Age compounds DUI surcharges significantly — drivers under 25 or over 70 with a DUI face premiums 30–40 percent higher than the 30–60 age bracket in the same risk tier.
- Credit score impacts premium calculation at most non-standard carriers in Texas, with poor credit adding 20–35 percent to your quoted rate even after DUI surcharges are applied.
- Continuous coverage matters — a lapse or cancellation before your SR-22 period ends triggers license suspension, a reinstatement fee, and potentially restarting your 2-year filing clock from zero.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf 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 filing after a DUI in Texas?
Texas requires SR-22 filing for 2 years after a DUI conviction, beginning on your license reinstatement date, not your conviction date. The Texas Department of Public Safety monitors your filing status electronically, and any lapse or cancellation triggers immediate license suspension and restarts your 2-year clock from zero.
Which insurance companies file SR-22 in Texas after DUI?
Non-standard carriers that write DUI policies in Texas include Bristol West, Direct Auto, Dairyland, GAINSCO, The General, Safe Auto, and Acceptance Insurance. Most mainstream carriers like State Farm, Geico, Allstate, and Progressive will file SR-22 for existing policyholders but typically non-renew at the end of your term rather than write new DUI-SR-22 policies.
Does Texas SR-22 filing period start on conviction date or reinstatement date?
The 2-year SR-22 filing period in Texas begins on your license reinstatement date, not your DUI conviction date. If your license was suspended for 6 months before reinstatement, your SR-22 requirement extends 2 years from the day you regain driving privileges, meaning 2.5 years total from conviction.
Do I need SR-22 if I got a DUI in another state but live in Texas?
If your DUI occurred in another state but you hold a Texas driver's license, you must satisfy that state's SR-22 requirement through a Texas-based insurer licensed to file in the convicting state. If you move to Texas after a DUI conviction elsewhere, contact the Texas Department of Public Safety to confirm whether your out-of-state SR-22 transfers or if Texas imposes its own 2-year filing requirement.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry Texas's required liability minimums. The SR-22 itself is not insurance — it's proof of continuous coverage transmitted electronically to the Texas Department of Public Safety.
Non-Owner SR-22
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to reinstate their license. Covers you when driving borrowed or rental vehicles.
High-Risk Auto Insurance
Coverage through non-standard market carriers that specialize in DUI, suspended license, and violation histories. Carriers include Bristol West, Direct Auto, Dairyland, GAINSCO, The General, and Safe Auto.
Uninsured Motorist Coverage
Pays your medical bills and repairs when hit by a driver with no insurance or insufficient limits. Protects you from out-of-pocket costs the at-fault driver cannot cover.
Liability Insurance
Covers bodily injury and property damage you cause to others. Required on every registered vehicle in Texas and the foundation of your SR-22 filing.