Houston, 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 drivers across Houston and the surrounding metro — with low down payments and small monthly payments.
Talk to a licensed agent now — quoted and filed in minutes
Lowest rate guarantee
Lowest SR-22 rate in Houston, 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: 844-341-0458Mon–Fri 9am–6pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadWhy Houston 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 in Houston 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
Houston 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 and the surrounding metro.
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 Houston 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
Houston savings
Lowest SR-22 rate in Houston
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 Houston 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 Houston SR-22 today
Tell us about your situation and we will come back with Houston options — usually the same business day.
SR-22 filings in Harris County
Houston handles more DWI cases than any other county in Texas. A conviction in Harris County Criminal Court requires a standard SR-22 at 30/60/25 limits filed with the Texas Department of Public Safety and kept in force for two years from the conviction date.
Why Houston rates run highest in Texas
Harris County combines heavy traffic on I-45 and the 610 Loop, flood-related total losses, and one of the highest uninsured-driver rates in the state. SR-22 premiums here typically run 25 to 40 percent above the Texas average, so comparing multiple carriers is essential.
Occupational license in Harris County
Houston drivers petition a Harris County court for an occupational (essential need) license. The SR-22 has to be on file with DPS before the order takes effect, and most DWI orders include an ignition interlock.
Non-owner filings
If you drive a company vehicle or borrow a household car, a non-owner SR-22 satisfies DPS at full 30/60/25 limits for a fraction of the cost of an owner policy.
Houston SR-22 FAQs
How much does SR-22 insurance cost in Houston?
Houston is the most expensive SR-22 market in Texas. Minimum-limit coverage at 30/60/25 commonly runs $95–$210 per month depending on driving history, vehicle, and ZIP code.
How fast can an SR-22 be filed in Houston?
Same day. Texas SR-22 filings transmit electronically to DPS, so the certificate typically posts within hours of binding coverage.
Do I need an SR-22 for a Harris County occupational license?
Yes. A Texas court order for an occupational license is not honored by DPS until an SR-22 is on file, and you must carry a certified copy of the order while driving.
Other 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.