Texas SR-22 insurance, filed the same day.
We file directly with the Texas Department of Public Safety (DPS) and shop many carriers licensed in Texas to find the lowest rate for your record.
Talk to a licensed agent in Texas now — quoted and filed in minutes
Minimum limits
30/60/25
Call now for your Texas SR-22 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
1-800-353-0545Mon–Fri 9am–7pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadSame-day filing
Your SR-22 goes to the state the day you buy.
Monthly payments
Spread the cost for qualifying drivers.
Owner & non-owner
Whether or not a car is in your name.
Texas law
SR-22 requirements in Texas
- Filing period
- 2 years
- Minimum liability
- 30/60/25
- Files with
- Texas Department of Public Safety (DPS)
- Reinstatement fee
- $100 reinstatement fee for most DWI and no-insurance suspensions
Filing period
Texas requires the SR-22 on file for 2 years, measured from the date of conviction — not from the date your license is reinstated.
Minimum liability
$30,000 / $60,000 / $25,000 (30/60/25), which is higher than most neighboring states, so Texas SR-22 policies price above the regional average.
No FR-44 in Texas
Texas does not use an FR-44. Even DWI convictions are handled with a standard SR-22 at 30/60/25 limits, plus court-ordered interlock.
Occupational license
An SR-22 must be on file before a Texas court will grant an occupational (essential need) driver license during a suspension.
Non-owner option
Texas DPS accepts non-owner SR-22 filings when no vehicle is titled or registered in your name.
What triggers an SR-22 in Texas
- DWI or DUI conviction
- Driving without liability insurance (a second no-insurance ticket)
- An accident while uninsured
- Unsatisfied judgment or habitual violator status
Interlock & verification
Texas courts order an ignition interlock for most DWI cases, and always for a BAC of 0.15 or higher or a repeat offense.
Texas DPS receives SR-22 filings electronically and re-suspends your license the day an SR-26 cancellation posts.
Serving drivers in Houston, Dallas, San Antonio, Austin, Fort Worth, El Paso and every city in Texas.
Get your Texas SR-22 today
Tell us about your situation and we will come back with Texas options — usually the same business day.
Other states we file in
Arizona
Colorado
Florida
Georgia
Louisiana
Missouri
Ohio
Tennessee
VirginiaHow the Texas SR-22 works
Texas SR-22 filings go directly to the Department of Public Safety in Austin. Unlike most states, the two-year clock runs from your conviction date rather than your reinstatement date, so drivers who spend months in suspension often finish the filing soon after getting their license back.
30/60/25 limits
Texas sets minimum liability at $30,000 / $60,000 / $25,000 — higher than Louisiana, Arizona, or Missouri. Every SR-22 policy written in Texas has to certify those limits, which is a large part of why Texas premiums sit above the regional average.
No FR-44 in Texas
Only Florida and Virginia use the FR-44. A Texas DWI conviction still uses a standard SR-22, but expect an ignition interlock order, DWI education, and a surcharge-free but expensive insurance market for the next several years.
Occupational (essential need) licenses
If your license is suspended, a Texas court can grant an occupational license for work, school, and household duties — up to 12 hours a day. The SR-22 must be on file with DPS before the order takes effect.
Houston, Dallas, and San Antonio rates
Harris and Dallas counties carry the highest SR-22 premiums in Texas, driven by claim frequency and uninsured-driver rates. San Antonio, Austin, and El Paso price meaningfully lower for the same driver profile, so comparing carriers matters more here than almost anywhere else.
Texas SR-22 FAQs
How long do I need an SR-22 in Texas?
Texas requires two years of continuous SR-22 coverage counted from the date of conviction. If your license was suspended for a while, the filing may end shortly after you get back on the road — but any lapse re-suspends you and extends the requirement.
What are the SR-22 liability limits in Texas?
Texas requires 30/60/25 — $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Texas does not use an FR-44, so DWI convictions use the same limits.
How much does SR-22 insurance cost in Texas?
Most Texas drivers pay $60–$155 per month for minimum-limit SR-22 coverage. Houston and Dallas run highest; West Texas and smaller metros run well below the state average. The SR-22 filing fee itself is usually $15–$25 one time.
Can I get a non-owner SR-22 in Texas?
Yes. Texas DPS accepts non-owner SR-22 filings when no vehicle is titled or registered to you. It satisfies the state at full 30/60/25 limits and typically costs far less than an owner policy.
Do I need an SR-22 for a Texas occupational license?
Yes. A Texas court will not grant an occupational (essential need) driver license until an SR-22 is on file with DPS and you carry the court order in the vehicle.
Does Texas require an ignition interlock after a DWI?
Texas courts order an interlock in most DWI cases and always for a BAC of 0.15 or higher or a repeat offense. The interlock is separate from — and in addition to — the SR-22 filing.