How to Get SR-22 Insurance in Texas: Tips to File Fast and Save
If you’ve been told you need an SR-22 insurance filing in Texas, you probably have a lot of questions. The good news is, getting an SR-22 in Texas can be quick and affordable when you know the process — and the right insurance agency to help.
What Is SR-22 Insurance in Texas?
In Texas, an SR-22 is not an insurance policy — it’s a form your insurance company files with the
Texas Department of Public Safety (DPS)
to prove you have the state’s required liability coverage. It’s often required after certain driving violations, including:
- DUI/DWI convictions
- Driving without insurance
- Multiple traffic offenses
- License suspension or revocation
Texas SR-22 Insurance Requirements
Texas law requires you to carry at least the state minimum liability coverage while your SR-22 is active. As of 2025, those limits are:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 for property damage per accident
You must maintain continuous coverage for the entire period your SR-22 is required (usually 2 years). A lapse in coverage will cause your insurance company to notify DPS, which can lead to another license suspension.
How to Get SR-22 Insurance in Texas
Here’s the fastest way to get your SR-22 filed:
- Contact an insurance provider that offers SR-22 filings in Texas — like Foxx Insurance.
- Get a quote for a policy that meets Texas’s liability minimums (or more, if you choose).
- Your agent will electronically file the SR-22 with the Texas DPS, often the same day.
- Pay the one-time filing fee (usually $15–$25) along with your first premium.
How Much Does SR-22 Insurance Cost in Texas?
The SR-22 form itself is inexpensive, but your overall insurance rate may increase if the underlying offense raised your risk profile. Factors that affect your rate include:
- Your driving record
- Vehicle type
- Coverage limits beyond the state minimums
- Whether you choose a non-owner policy or a standard auto policy
At Foxx Insurance, we shop multiple carriers to find you the best rate for your situation — saving you time and money.
Tips to Save on Your Texas SR-22
- Ask about non-owner policies if you don’t own a car
- Bundle with other insurance policies when possible
- Maintain a clean driving record during your SR-22 period
- Pay your premium in full to avoid installment fees
Get Help Filing Your Texas SR-22 Today
Needing an SR-22 doesn’t have to be stressful. Foxx Insurance specializes in Texas SR-22 insurance and can get your filing done quickly — often in less than 24 hours.
Click here to get your free SR-22 insurance quote now or call us at 877-409-1063 to speak with a licensed agent.