2026 SR22 Insurance Texas Rates & Requirements

Get your license reinstated with affordable SR22 insurance Texas coverage. We specialize in high risk drivers and offer the most competitive 2026 rates across all Texas cities.

Get Quote Now 📞 Call 888-445-2793

What You Get from a Quote With Our Agents

More than just a price, get expert guidance, multi-carrier comparison, and personalized service that online forms can’t match.

✓

Multi-Carrier Comparison

One application gets you quotes from Progressive, National General, DairyLand, and 15+ other carriers, no endless form filling.

✓

Local Expertise

Our agents know your state’s regulations, discounts, and which carriers offer the best rates for drivers like you.

✓

Annual Rate Checkups

We proactively review your policy at renewal and re-shop if better rates become available, no extra effort from you.

✓

No Extra Cost

We’re paid by carriers, not by you. Get broker-level access without broker fees or hidden charges.

✓

Personalized Coverage Advice

We help you understand what coverage you actually need, not just the cheapest option, with clear explanations of limits, deductibles, and endorsements.

✓

Bundle & Save Opportunities

We identify cross-policy discounts by combining auto, home, business, or specialty insurance, saving you 10-25% compared to separate policies.

Why Choose A Plus Insurance for Your SR22 Needs

As a leading insurance agency in Texas, we understand the complexities of SR22 insurance Texas requirements. Our team specializes in helping drivers with DUI convictions, license suspensions, and other violations get back on the road legally.

We compare multiple high-risk carriers like Progressive, Dairyland, Gainsco, Bristol West, The General, Assurance America, and Falcon, a specialist in Texas non-standard auto, to find you the best premium rate for your situation. Whether you need liability insurance, full coverage, or non owners policies, we have solutions.

For those needing coverage beyond SR22, we also offer comprehensive auto insurance options and homeowners insurance for complete protection.

What Real Texas SR22 Policies Cost

The figures below come from real SR22 policies our licensed agents have written in Texas, not national averages or advertised rates.

Average Monthly SR22 Costs for Texas

Filters: Filters: State TX

Source ... A Plus Insurance Quote Dataset

National General

$444.58

Progressive

$157.09

Mendota

$164.83

Dairyland Auto

$92.82

Dairyland

$50.86

Evanston Insurance Company or Emerald Bay Specialty

$0.00

Geico

$0.00

Pricing ranges from $0.00 (Evanston Insurance Company or Emerald Bay Specialty) to $444.58 (National General) ... a spread of $444.58.
Based on real auto insurance quotes grouped into 7 company results, the average across this view is $130.03.
Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_id	call_id	call_date	state	city	zip	year	make	model	age	sex	marital	coverage	carrier	monthly	violations	accidents
2591	1btToT-DofnGsDIWnLj36f3jf3-RgdCe	2026-05-29	TX			2025	Honda	CR-V	68	male	unknown	full_coverage	Progressive	130.42	0	0
2278	1QAABIPUUc24yDzsIVQA_g56FUEi8Gy5	2026-04-17	TX	RICHARDSON	75081					unknown	unknown	liability_only	Geico	0.00	0	0
2187	1iOf_J37DnCzU7jloZZwAEH15IQkAbqm	2026-04-10	TX	WILLOW PARK	76008	2006	Yamaha	XV250	64	female	single	liability_only	Progressive	0.00	0	0
2050	1Nu1kTz9pKekqy1Ih9MDQlSp9R5w4XwJ	2026-03-31	TX			2001	RAM		52	male	single	liability_only	Dairyland	50.86	0	0
2047	10lFtRgn4fiBDgEBjGsowGYvUsj8VVv1	2026-03-31	TX	RICHMOND	77406					unknown	unknown	unknown	Evanston Insurance Company or Emerald Bay Specialty	0.00	0	0
1858	1baoqMHVljxQKGr66nbgTHGDBv3_VVhR	2026-03-16	TX	DENTON	76201	2010	Honda	Accord		unknown	unknown	liability_only	Mendota	164.83	0	2
1789	20260316-091900-7340	2026-03-16	TX	DENTON	76201	2010	HONDA	ACCORD EX-L	26	female	single	liability_only	Progressive Insurance	140.80	0	0
1502	20260217-094539-9574	2026-02-17	TX	GEORGETOWN	78633	2026	HONDA	CR-V SPORT-L	28	female	single	full_coverage	Progressive Insurance	148.08	0	0
1414	20260206-105351-5943	2026-02-06	TX	TRINITY	75862	2016	TOYOTA	CAMRY SE	43	male	single	full_coverage	Progressive Insurance POP	288.74	2	0
1413	20260105-105247-1444	2026-01-05	TX	SILSBEE	77656	2004	TOYOTA	TUNDRA ACCESS CAB SR	59	male	single	liability_only	Dairyland Auto	99.63	0	0
1412	20260206-1202-8339	2026-02-06	TX	HOUSTON	77048	2023	HYUNDAI	SONATA SEL PLUS	25	female	single	full_coverage	National General DynamicDrive	444.58	0	0
1411	20251117-105122-5602	2025-11-17	TX	SAN ANTONIO	78253	2019	FORD	F150	30	male	married	full_coverage	Progressive Insurance	169.33	0	0
1411	20251117-105122-5602	2025-11-17	TX	SAN ANTONIO	78253	2019	FORD	F150	30	male	married	full_coverage	Progressive Insurance	169.33	0	0
1411	20251117-105122-5602	2025-11-17	TX	SAN ANTONIO	78253	2018	SUBARU	IMPREZA PREMIUM PLUS	30	male	married	full_coverage	Progressive Insurance	169.33	0	0
1411	20251117-105122-5602	2025-11-17	TX	SAN ANTONIO	78253	2018	SUBARU	IMPREZA PREMIUM PLUS	30	male	married	full_coverage	Progressive Insurance	169.33	0	0
1410	20251220-104941-2582	2025-12-20	TX	ORANGE	77632	2000	CHEVROLET	S10	51	male	single	liability_only	Dairyland Auto	86.01	0	0
1409	20251230-1215-3648	2025-12-30	TX	DECATUR	76234	2015	FORD	F350 SUPER DUTY	66	male	single	liability_only	Progressive Insurance	55.08	0	0

See What You’d Actually Pay in Texas

Those are real numbers from real Texas drivers. Get your own SR22 quote in minutes, and we file same-day so you can get back on the road.

Get Your Texas SR22 Quote Call 888-445-2793

2026 SR22 Insurance Texas Rates by City

The statewide figures above reflect real policies. The city-level ranges below are illustrative estimates to show how SR22 rates tend to vary by metro, and may differ from your actual quote based on your driving record.

Texas City	Liability Only (Monthly)	Full Coverage (Monthly)	Non-Owner Policy (Monthly)
Houston	$103-$145	$185-$260	$55-$85
Dallas	$106-$150	$190-$270	$60-$90
San Antonio	$100-$140	$180-$250	$52-$82
Austin	$99-$138	$178-$245	$50-$80
Fort Worth	$92-$130	$165-$230	$48-$75
El Paso	$88-$125	$158-$220	$45-$70
Corpus Christi	$102-$145	$183-$255	$54-$84
Plano	$103-$147	$185-$262	$56-$86

Note: These city figures are estimates. Actual premium may vary based on driving history, age, vehicle, and specific violations.

Texas SR22 Insurance Requirements & Regulations

The Texas Department of Public Safety (DPS) mandates specific requirements for drivers needing SR22 insurance Texas. Understanding these regulations is crucial for maintaining your driving privileges.

Texas State Minimum Liability Requirements

Bodily Injury Liability: $30,000 per person / $60,000 per accident
Property Damage Liability: $25,000 per accident
Uninsured/Underinsured Motorist: Required unless rejected in writing
Personal Injury Protection (PIP): $2,500 minimum unless rejected

Your Insurance Card must show these minimums to satisfy proof of insurance requirements. The Texas DMV will verify your coverage through the electronic SR22 insurance filing system.

For comprehensive auto insurance options beyond just SR22 requirements, explore our complete auto insurance coverage. If you’re also interested in protecting your business, check our business insurance options.

Common Reasons for SR22 Requirements in Texas

Violation Type	Typical SR22 Duration	Average Rate Increase
DUI/DWI Conviction	2-5 years	80-150%
Driving Without Insurance	2 years	40-80%
Multiple Traffic Violations	2-3 years	30-70%
At-Fault Accident (No Insurance)	2 years	50-100%
License Suspension (Various Reasons)	2 years	30-60%

SR22 Insurance by Texas County

Where you live in Texas affects both your SR22 rate and how fast you can get filed. We write SR22 policies across every major Texas metro and file directly with the Texas Department of Public Safety, often the same day. Compare multiple carriers below to find the cheapest SR22 insurance for your county.

Get Quote Now 📞 Call 888-445-2793

Harris County SR22 Insurance (Houston)

Harris County has the highest volume of SR22 filings in Texas. As an independent brokerage, we compare high-risk carriers to find Houston drivers the cheapest SR22 insurance in Harris County, with fast same-day filing to get your license reinstated.

Dallas County SR22 Insurance (Dallas)

Dallas County SR22 drivers get multi-carrier quotes and same-day filing, so you are not stuck with the first rate a single company offers. We shop the market to find the cheapest SR22 insurance in Dallas County for your situation.

Tarrant County SR22 Insurance (Fort Worth)

For Fort Worth and the surrounding Tarrant County area, we provide fast SR22 filing and compare rates across carriers that specialize in high-risk drivers, so you get back on the road without the wait.

Bexar County SR22 Insurance (San Antonio)

San Antonio and Bexar County drivers get SR22 coverage from carriers that specialize in high-risk and non-standard auto, including Falcon, filed directly with the Texas DPS. We compare the top SR22 insurance options in Bexar County to find your lowest rate.

Travis County SR22 Insurance (Austin)

Austin-area and Travis County drivers get SR22 filing from real agents who know Texas DPS requirements. We find the cheapest SR22 insurance in Travis County by comparing multiple carriers in one call.

Frequently Asked Questions: 2026 SR22 Insurance Texas

What is the average cost of SR22 insurance Texas in 2026?

The average SR22 insurance Texas cost for 2026 ranges from $75-$150 monthly for liability coverage, depending on your driving history, location, and chosen provider. Full coverage SR22 policies typically cost $120-$250 monthly. These insurance rates reflect 2026 projections and may vary based on individual circumstances.

How long do I need SR22 insurance in Texas?

Texas requires SR22 insurance for a minimum of 2 years from your conviction date, but the Texas Department of Public Safety may extend this period based on your violation severity. The clock starts when your license suspension period begins, not when you purchase the policy.

Can I get SR22 insurance without owning a car in Texas?

Yes, Texas offers non owners SR22 policies for drivers without vehicles but who need to maintain financial responsibility. These provide liability insurance meeting state minimums and satisfy the proof of insurance requirement for license reinstatement. Learn more on our Texas non-owner insurance page.

What violations require SR22 insurance in Texas?

Common violations requiring SR22 insurance Texas include DUI/DWI convictions, driving without insurance, multiple at-fault accidents, excessive traffic violations, license suspensions for various reasons, and serious moving violations. The Texas DMV will notify you if you need an SR22 filing.

How quickly can I get SR22 insurance Texas in 2026?

We can often provide SR22 insurance Texas same-day approval. Once purchased, we electronically file your SR22 form with the Texas Department of Public Safety immediately. Most customers receive their Insurance Card and proof of filing within 24 hours.

Will my SR22 insurance rates decrease over time?

Yes, as you maintain a clean driving record and your violations age, your insurance rates for SR22 insurance should gradually decrease. After the required filing period ends and you’ve maintained continuous coverage, you can transition to standard auto insurance with lower premium costs.

What is SR22 insurance in Texas?

SR22 insurance is a certificate of financial responsibility that your insurance company files with the Texas Department of Public Safety (DPS). It’s proof you carry at least Texas’s required minimum liability coverage (30/60/25). It’s not an insurance policy, it’s a form attached to your active auto policy.

How long do you need SR22 insurance after a DUI in Texas?

SR22 insurance is typically required for 2 years from the date of conviction in Texas. The exact duration depends on the severity of the offense and Texas DPS requirements. Your reinstatement letter from DPS will state your specific term.

What happens if you miss an SR22 insurance payment in Texas?

Missing a payment or letting your policy cancel triggers three things: (1) your insurer is required to notify the Texas DPS immediately, (2) your driver’s license can be suspended, and (3) your SR22 coverage period may restart from zero. Set up automatic payments to avoid this.

Can you switch insurance companies while on SR22 in Texas?

Yes, you can switch providers, but make sure there is no coverage gap between policies. Your new insurer files a fresh SR22 form with the Texas DPS, and the old insurer files an SR26 to cancel their filing. A Plus Insurance handles both sides of this transition.

What happens if you move out of Texas while on SR22?

Your Texas SR22 requirement follows you. You must maintain coverage that meets Texas’s minimum requirements until your term ends, even if the state you move to has different rules. Your insurer can help coordinate filings if the new state also requires SR22.

How do you remove an SR22 in Texas?

Once you’ve met the Texas DPS’s SR22 requirement (typically 2 years of continuous coverage), your insurance company files an SR26 form with the DPS to officially cancel the SR22 filing. Don’t just stop paying, formally request the removal so the filing closes cleanly.

What if you don’t get SR22 insurance when required by Texas?

Failing to obtain required SR22 insurance can result in extended license suspension, additional fines, and a restarted SR22 requirement when you do finally file. You will not be able to legally drive in Texas until you comply with the DPS order.

What are your options if SR22 insurance is too expensive?

The single biggest lever is comparing rates across multiple SR22-friendly carriers, prices vary widely. Other options: choose liability-only coverage if your vehicle is older, ask about discounts (paid-in-full, telematics, defensive driving course), and consider a non-owner policy if you’re between vehicles. A Plus shops 20+ carriers to find the lowest available SR22 rate.

Where can you get SR22 insurance in Texas?

Not every insurer files SR22s, you need a carrier experienced with high-risk drivers. Common SR22-friendly carriers in Texas include Progressive, Dairyland, Bristol West, GAINSCO, Falcon, and Mendota. As an independent brokerage, A Plus Insurance compares all of them to find your best rate.

How much is SR22 insurance in Texas?

SR22 insurance in Texas typically runs $75 to $150 per month for liability-only coverage, with the exact price driven by your violation, driving history, city, and carrier. The SR22 filing fee itself is small (usually about $25); the bigger cost comes from the high-risk classification. Comparing multiple carriers is the fastest way to find a lower rate.

What is the fastest way to get SR22 insurance in Texas?

The fastest way is to work with an independent broker that files SR22s electronically. Once you purchase a policy, we file your SR22 with the Texas DPS the same day and give you proof of filing, so you can start reinstatement right away. Having your license number and violation details ready speeds things up.

Who has the cheapest SR22 insurance in Harris County, Dallas, or San Antonio?

There is no single cheapest SR22 carrier for every driver in Harris County (Houston), Dallas County, or Bexar County (San Antonio), because each carrier rates violations differently. That is why comparing several high-risk carriers matters. We shop Progressive, Dairyland, Bristol West, Falcon, GAINSCO and others to find the lowest SR22 rate for your county and record.

Additional Insurance Services

While we specialize in SR22 insurance Texas, we offer comprehensive insurance solutions for all your needs:

Homeowners Insurance – Protect your Texas home with comprehensive coverage
Motorcycle & RV Insurance – Specialized coverage for recreational vehicles
Business Insurance – Commercial coverage for Texas businesses
SR22 in Other States – We handle SR22 requirements nationwide

For high risk drivers needing coverage beyond Texas, we also service neighboring states. We also cover Maine, Montana, and other locations nationwide.

Get Your 2026 SR22 Insurance Texas Quote Today

Don’t let a DUI or other violations keep you off the road. We’ll help you find affordable SR22 insurance Texas coverage that meets all Texas DMV requirements.

Get Your Instant 2026 Quote Call Now: 888-445-2793

We compare rates from Progressive, Dairyland, Gainsco, Bristol West, The General, Assurance America, Falcon, and other top providers to find you the best insurance rates for your SR22 insurance needs.

Jayleen Ridgeway

Marketing Manager| 9 Years of Digital and Marketing Strategy

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.

📄 Full Bio 💼 LinkedIn ✍️ Medium 📧 Substack