Texas SR-22 insurance at the lowest price — guaranteed.Low monthly payments, filed same day.
We file directly with the Texas Department of Public Safety (DPS) and shop many carriers licensed in Texas to find the lowest rate for your record — with low down payments and small monthly payments.
Talk to a licensed agent in Texas now — quoted and filed in minutes
Lowest rate guarantee
Lowest SR-22 rate in Texas
Low monthly payments
Low down payments accepted
Quote by phone for your Texas SR-22 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
Quote by phone: 844-341-0473Mon–Fri 9am–6pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadWhy Texas drivers choose us
Same-day filing. Low payments. Zero paperwork.
Same-Day Reinstatement
Your filing goes to the Texas Department of Public Safety (DPS) the same day you buy. Back on the road tonight, not next week.
Filed Directly With The DMV
We transmit your certificate to the Texas Department of Public Safety (DPS) for you — no paperwork for you to chase down.
Low Down Payments
Get reinstated today with a low down payment and small monthly installments that fit your budget.
About us
Texas SR-22 filings, handled by people who do it every day
SR22 & FR44 Insurance is a proud member of The Insurance Exchange of America and can get your SR-22 filed with the Texas Department of Public Safety (DPS) today. As a broker representing many carriers licensed in Texas, we shop the best rate for your record — conventional, high-risk, or after a DUI.
We know your time is valuable and you want your filing done fast and at the lowest rate available. We offer quotes from many companies, non-owner and owner-operator coverage for single and multiple DUI/DWI offenses, immediate filings, and monthly payments for qualifying drivers in Houston, Dallas, San Antonio, Austin and every city in Texas.
A non-owner policy can be purchased if there are no automobiles registered in your name. It also works if there are vehicles in the household not registered to you — the exception being a husband and wife who own a vehicle, in which case the vehicle has to be listed.
Why people choose us
- Same-day Texas license reinstatements
- SR-22s issued instantly the day you buy
- Simple purchase process by phone, email or fax
- Expert knowledge of Texas's filing requirements
- Owner and non-owner policies for single or multiple offenses
- Low down payments and low monthly payments
- 100% satisfaction guaranteed
Texas savings
Lowest SR-22 rate in Texas
We shop 30+ carriers licensed in Texas so you do not overpay. Same-day filing, low down payments, and monthly options for qualifying drivers.
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Carriers compared
Same day
Filing speed
Low down / monthly
Payment options
100% guaranteed
Satisfaction
Ready when you are
Get your Texas SR-22 quote in about 2 minutes
No obligation. Same-day filing with the Texas Department of Public Safety (DPS) once you're covered.
Latest Texas SR-22 news
View all →8/14/2026
Texas SR-22: Navigating the Path to License Reinstatement
Understand Texas SR-22 requirements, including filing with DPS, minimum liability, and common triggers like DWI or no-insurance violations. Get back on the road legally.
8/13/2026
Texas SR-22: Your Guide to Navigating Reinstatement & Driving Onward
Facing a driving suspension in Texas? SR-22 insurance is often your key to getting back on the road. Learn what it is, why you need it, and how to file.
8/12/2026
Texas SR-22: Your Straightforward Guide to Reclaiming the Road
Navigating SR-22 insurance in Texas can feel complex. This guide simplifies the process, from understanding requirements to getting back on the road in Houston, Dallas, or anywhere in the Lone Star State.
Get your Texas SR-22 today
Tell us about your situation and we will come back with Texas options — usually the same business day.
Other states we file in
Arizona
Colorado
Florida
Georgia
Louisiana
Missouri
Ohio
Tennessee
VirginiaHow the Texas SR-22 works
Texas SR-22 filings go directly to the Department of Public Safety in Austin. Unlike most states, the two-year clock runs from your conviction date rather than your reinstatement date, so drivers who spend months in suspension often finish the filing soon after getting their license back.
30/60/25 limits
Texas sets minimum liability at $30,000 / $60,000 / $25,000 — higher than Louisiana, Arizona, or Missouri. Every SR-22 policy written in Texas has to certify those limits, which is a large part of why Texas premiums sit above the regional average.
No FR-44 in Texas
Only Florida and Virginia use the FR-44. A Texas DWI conviction still uses a standard SR-22, but expect an ignition interlock order, DWI education, and a surcharge-free but expensive insurance market for the next several years.
Occupational (essential need) licenses
If your license is suspended, a Texas court can grant an occupational license for work, school, and household duties — up to 12 hours a day. The SR-22 must be on file with DPS before the order takes effect.
Houston, Dallas, and San Antonio rates
Harris and Dallas counties carry the highest SR-22 premiums in Texas, driven by claim frequency and uninsured-driver rates. San Antonio, Austin, and El Paso price meaningfully lower for the same driver profile, so comparing carriers matters more here than almost anywhere else.
Texas SR-22 FAQs
How long do I need an SR-22 in Texas?
Texas requires two years of continuous SR-22 coverage counted from the date of conviction. If your license was suspended for a while, the filing may end shortly after you get back on the road — but any lapse re-suspends you and extends the requirement.
What are the SR-22 liability limits in Texas?
Texas requires 30/60/25 — $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Texas does not use an FR-44, so DWI convictions use the same limits.
How much does SR-22 insurance cost in Texas?
Most Texas drivers pay $60–$155 per month for minimum-limit SR-22 coverage. Houston and Dallas run highest; West Texas and smaller metros run well below the state average. The SR-22 filing fee itself is usually $15–$25 one time.
Can I get a non-owner SR-22 in Texas?
Yes. Texas DPS accepts non-owner SR-22 filings when no vehicle is titled or registered to you. It satisfies the state at full 30/60/25 limits and typically costs far less than an owner policy.
Do I need an SR-22 for a Texas occupational license?
Yes. A Texas court will not grant an occupational (essential need) driver license until an SR-22 is on file with DPS and you carry the court order in the vehicle.
Does Texas require an ignition interlock after a DWI?
Texas courts order an interlock in most DWI cases and always for a BAC of 0.15 or higher or a repeat offense. The interlock is separate from — and in addition to — the SR-22 filing.
Texas cities
Texas SR-22 & FR-44 guides
How to Add an SR-22 to a Progressive Policy: Step-by-Step
How Progressive handles SR-22 filings, what it costs, how long the filing takes to reach the DMV, and what to do if Progressive won't file in your state.
Bristol West SR-22 Insurance: What to Expect
How Bristol West handles SR-22 filings for high-risk drivers, typical costs, payment plans, and how it compares with other non-standard carriers.
Travelers SR-22 Insurance: What to Know
How Travelers handles SR-22 filings, where it will and won't write high-risk drivers, and what to do when a DUI pushes you out of a standard carrier.
Dairyland SR-22 and FR-44 Insurance: A Closer Look
How Dairyland handles SR-22 and FR-44 filings, its low-down-payment structure, where it fits high-risk drivers, and how it compares.
Root Insurance and FR-44 Filings: What Drivers Should Know
Whether Root handles FR-44 filings, how app-based underwriting treats DUI drivers, and the alternatives that file with the state the same day.
Travelers Insurance FR-44 and SR-22 Policies
How Travelers handles SR-22 and FR-44 filings, where the standard-carrier model breaks down after a DUI, and what to compare against.