Texas SR-22 Insurance After DUI or Suspension
Texas requires 30/60/25 liability coverage and is an at-fault state.
Compare Rates After a ViolationTexas 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Texas
Drivers with DUI convictions, license suspensions, uninsured accidents, or multiple violations typically receive an SR-22 filing requirement from the Texas Department of Public Safety (DPS). The SR-22 is not insurance—it's a certificate your insurer files with DPS proving you carry continuous coverage. Most high-risk drivers need coverage above state minimums to satisfy lender requirements or protect against liability after a violation.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Full Coverage
Uninsured Motorist Coverage
What Drivers Pay in Texas
$297–$393/mo
Typical monthly rate in Texas, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
Certificate filed by your insurer with Texas DPS proving continuous liability coverage. Required for 2–3 years after DUI, suspension, or uninsured violation. Not a separate policy—it's added to your existing liability coverage.
Non-Standard Auto Insurance
High-risk policies from carriers specializing in DUI, suspensions, and lapses. Issued immediately with SR-22 filing, often within 24 hours. Non-standard carriers accept profiles standard carriers decline.
Liability Insurance
Covers damage you cause to others in an accident. Texas minimums are 30/60/25, but many high-risk drivers increase to 50/100/50 or 100/300/100 to protect against lawsuits after a prior violation.
Full Coverage
Liability, comprehensive, and collision bundled. Covers damage to your vehicle and others' vehicles. Required by lenders and lessors even if you have an SR-22 requirement.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if an uninsured driver hits you. Optional in Texas but recommended after a violation—another accident could extend your SR-22 period or result in a second suspension.
Comprehensive Coverage
Covers non-collision damage: theft, hail, flood, vandalism. Texas experiences frequent hail events and high vehicle theft rates in urban areas. Lenders require comprehensive if you have a car loan.