Texas SR-22 Insurance After DUI or Suspension
Texas requires 30/60/25 liability coverage and is an at-fault state.
Find Coverage After a Traffic 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 for repeated violations, at-fault accidents while uninsured, or failure to maintain coverage typically receive an SR-22 requirement from the Texas Department of Public Safety. The SR-22 is not insurance itself—it is a certificate your insurer files electronically to verify continuous coverage. Most high-risk drivers need coverage above state minimums to satisfy lender requirements and avoid catastrophic out-of-pocket costs after another incident.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full 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
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Certificate filed by your insurer to the Texas DPS confirming continuous liability coverage for 3 years. The filing costs $15–$35, but premiums increase substantially due to high-risk classification.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers: multiple DUIs, suspended licenses, SR-22 requirements, and uninsured accidents. Costs 50–200% more than standard insurance but necessary for reinstatement.
Liability Insurance
Covers injuries and property damage you cause to others. Texas minimums are 30/60/25, but these limits leave high-risk drivers exposed to lawsuits and wage garnishment after serious accidents.
Full Coverage
Liability, comprehensive, and collision bundled. Required by lenders for financed vehicles and protects high-risk drivers from total loss after at-fault accidents or theft.
Uninsured Motorist Coverage
Pays medical bills and lost wages if you're hit by an uninsured driver. Not required in Texas, but approximately 14% of Texas drivers lack insurance—one of the higher uninsured rates nationally.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of fault. Required by lenders and critical for high-risk drivers who cannot afford to replace a totaled vehicle out of pocket.