Texas SR-22 & High-Risk Auto Insurance

Texas law mandates 30/60/25 liability minimums. If you caused an accident without insurance, you may be required to file SR-22 and maintain continuous coverage for 2 years to reinstate your license—any lapse restarts the clock.

SR-22 is not a separate policy—it's a certificate your insurer files with the state proving you carry the required liability coverage. In Texas, SR-22 is typically required for 2 years after DUI convictions, major violations, or driving without insurance. If your policy lapses during the SR-22 period, your insurer must notify the state immediately, triggering license suspension.

Non-standard carriers specialize in high-risk profiles—drivers with DUIs, suspensions, lapses, or multiple violations. In Texas, non-standard insurers often offer SR-22 filing as a standard service and may provide flexible payment plans for drivers rebuilding their records.

Full coverage combines liability, comprehensive, and collision insurance. High-risk drivers with financed or leased vehicles must carry full coverage to satisfy lender requirements, even during SR-22 periods.

If you're hit by an uninsured driver while carrying SR-22, UM coverage protects you from out-of-pocket medical and repair costs.