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.
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More than just a price, get expert guidance, multi-carrier comparison, and personalized service that online forms can’t match.
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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 insurance companies like Progressive, Dairyland, Gainsco, Bristol West, The General, Assurance America to find you the best premium rates 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.
2026 SR22 Insurance Texas Rates by City
Below are estimated monthly rates for SR22 insurance Texas with minimum liability insurance coverage. These insurance rates are based on 2026 projections and may vary based on your specific 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 are estimated 2026 insurance rates. 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.
2026 SR22 Insurance Texas Rate Comparison
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% |
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. For motorcycle owners needing SR22, explore our motorcycle insurance options.
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.
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.
We compare rates from Progressive, Dairyland, Gainsco, Bristol West, The General, Assurance America, and other top providers to find you the best insurance rates for your SR22 insurance needs.
Last Updated on by Brian Muse