Texas SR-22 & High-Risk Auto Insurance
Texas requires 30/60/25 liability coverage and is an at-fault state.
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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 convicted of DUI, driving without insurance, or accumulating excessive violations must file SR-22 proof of financial responsibility with the Texas Department of Public Safety for a period typically lasting 3 years. Minimum coverage rarely protects high-risk drivers adequately—at-fault accidents exceeding state minimums can trigger lawsuits and license suspension if assets aren't protected.
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
What Affects Your Rate
- Location: Urban areas like Houston and Dallas show higher rates than rural counties due to accident frequency and theft rates
- Vehicle type: High-performance or luxury vehicles cost more to insure, especially for high-risk drivers
- Credit score: Texas allows credit-based insurance scoring, meaning poor credit combined with violations compounds premium increases
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. Texas minimums are 30/60/25, but high-risk drivers should carry higher limits to avoid personal liability if claims exceed minimums.
SR-22 Insurance
A certificate filed by your insurer proving you carry at least minimum liability coverage. Required for 3 years in Texas after DUI, uninsured driving, or license suspension.
Non-Standard Auto Insurance
Coverage designed for drivers rejected by standard carriers due to DUI, suspensions, lapses, or multiple violations. Non-standard carriers specialize in high-risk profiles and accept drivers others won't.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance. Covers medical bills, lost wages, and vehicle damage when the at-fault driver cannot pay.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal obligation and your vehicle. Required by lenders if you finance or lease.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Especially important for high-risk drivers who cannot afford out-of-pocket vehicle replacement.