SR-22 Insurance in Texas
Numbers refreshed
Who must file in Texas, how long the filing lasts and what the state charges.
- The SR-22 form is what the state asks for.
- The the 30/60/25 minimum liability limits.
- Ranked 6th of 51 among the most expensive states (1st = highest).
Texas rules for the SR-22
Once a serious offense happens, Texas asks for an SR-22 filing you keep for 2 years.
Texas requires an SR-22 after certain convictions, including DWI, or after a crash-related suspension, civil judgment or second or later no-insurance conviction.
| Rule | Texas |
|---|---|
| Form | SR-22 |
| Years you must keep it | 2 |
| State reinstatement fee | $100 |
| Liability it must prove | 30/60/25 |
Source: Financial Responsibility Insurance Certificate (SR-22) | Department of Public Safety; Section 9: SR-22 (Proof of Financial Responsibility) | Department of Public Safety.
How it affects your price
The filing costs little, but the offense behind it raises your premium.
The state rate guides we rely on show one at-fault accident multiplying a price by about 1.5.
Based on the Texas liability average of $893, the annual cost would be about $1,339.
Getting one
- Request that your insurer submit the form to the state, though not every company will do so.
- Don't own a car? The filing may be included in a non-owner policy.
- Your policy needs to stay paid. The state receives notice of a lapse, which can restart the clock.
First written