Car Insurance With Points
Get a Quote
Blue lupine flowers growing along the grassy shoulder of a curving two-lane road at sunset, with rolling green fields and an orange and purple cloudy sky in the background.

Texas SR-22 & High-Risk Auto Insurance After Violations

Texas requires 30/60/25 liability coverage and is an at-fault state.

Find Coverage with Points on Your License

Texas 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 multiple violations, uninsured accidents, or repeat offenses typically face SR-22 filing requirements administered by the Texas Department of Public Safety. The state uses a point system where accumulating 6 or more points in 3 years triggers surcharges and potential suspension, though most point violations do not require SR-22 unless they result in a suspension.

Liability Insurance

Texas law requires every driver to carry at least 30/60/25 liability coverage to legally operate a vehicle. Many high-risk carriers require higher limits as a condition of issuing a policy, and maintaining continuous liability coverage is essential during the SR-22 filing period to avoid license suspension.

SR-22 Certificate

An SR-22 is not insurance but a certificate filed by your carrier with the Texas Department of Public Safety proving you carry continuous coverage. It is typically required for 2 years following DUI convictions, license suspensions, or driving without insurance. If your policy lapses even one day during the SR-22 period, your insurer must notify the state immediately, resulting in automatic license suspension and restart of the 2-year requirement.

Full Coverage

Full coverage combines liability, collision, and comprehensive protection and is often required by lenders if you finance or lease a vehicle. While not legally required if you own your vehicle outright, collision coverage protects you financially if you cause an accident, and comprehensive covers theft and weather damage — both common concerns in Texas given hail risk and vehicle theft rates in major metro areas.

Uninsured/Underinsured Motorist Coverage

Uninsured motorist (UM) coverage is not required in Texas, but it protects you if you are hit by a driver with no insurance or insufficient coverage.

Non-Standard Auto Insurance

Non-standard carriers specialize in insuring drivers with DUIs, suspensions, lapses, or multiple violations who cannot obtain coverage from standard insurers. These policies often come with higher premiums and may require payment in full or larger down payments, but they provide the continuous coverage necessary to maintain SR-22 compliance and avoid further license penalties. In Texas, non-standard carriers may also impose stricter underwriting for drivers in high-theft or high-claim urban areas.

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

What Affects Your Rate

  • Type of violation: DUI convictions and SR-22 requirements increase premiums significantly more than single speeding tickets or minor at-fault accidents
  • Location within Texas: Houston, Dallas, and San Antonio see higher rates due to traffic density, uninsured driver rates, and claim frequency
  • Point accumulation: 6 or more points in 3 years results in surcharges and potential suspension, increasing insurance costs even before SR-22 is required
  • Coverage lapses: Any gap in coverage signals higher risk to insurers and limits your carrier options, often forcing you into non-standard markets
  • Age and vehicle type: Younger drivers with violations and financed newer vehicles face compounding rate increases
  • Credit score: Texas allows insurers to use credit-based insurance scores, which amplifies premiums for high-risk drivers with poor credit
A man in a black cap, dark jacket and jeans with brown boots leans against the front of a dark pickup truck on gravel ground, with distant hills and a bright hazy sky behind.

See What Points Are Really Costing You

Find Coverage with Points on Your License

Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Texas requires 30/60/25 minimums, but a single serious accident can exceed these limits quickly, leaving you personally liable for the difference.

Full Coverage

Combines liability, collision, and comprehensive to protect your vehicle and others. Required by lenders but optional if you own your car outright.

SR-22 Insurance

A certificate proving continuous coverage filed with the Texas Department of Public Safety. Not a separate policy, but an endorsement added to your existing liability insurance.

Non-Standard Auto Insurance

Policies issued by carriers specializing in high-risk drivers who cannot get coverage from standard insurers due to DUI, lapses, or multiple violations.

Uninsured Motorist Coverage

Protects you if you are hit by a driver with no insurance or insufficient coverage to pay for your injuries and vehicle damage.

Collision Coverage

Pays to repair or replace your vehicle if you cause an accident or hit an object, regardless of fault.

Find Your City in Texas

Houston

urban

San Antonio

urban

Dallas

urban

Austin

urban

Fort Worth

urban

El Paso

urban

Arlington

suburban

Corpus Christi

urban

Plano

suburban

Lubbock

urban

Irving

suburban

Laredo

urban

Garland

suburban

Frisco

suburban

McKinney

suburban