Texas keeps its SR-22 rule simpler than most states: two years, flat, counted from the date of your conviction — not from when your license is reinstated, not scaled by offense type. The Texas Department of Public Safety states this consistently across its alcohol-related, drug-related, and driving-while-license-invalid (DWLI) suspension pages: maintain the SR-22 for two years from the conviction date, and the requirement ends.
How Long You Actually Need It in Texas
There's no split by violation type here the way there is in Indiana or Ohio. Whether the SR-22 was triggered by an alcohol-related offense, a drug-related offense, a crash-related suspension, or driving while your license was invalid, Texas DPS documentation points to the same two-year window from the conviction date. The one thing that changes the math: if the two years haven't passed and you get a second conviction, DPS treats the clock as extending from the more recent date, not the earlier one — so a repeat violation partway through resets your timeline in practice even though the rule itself is flat.
What SR-22 Insurance Actually Costs in Texas
Texas has one of the more competitively documented SR-22 markets of any state, with real quoted numbers spanning a wide range depending on the source and the driver's specific situation:
| Insurer / Agency |
Reported Rate |
Source |
| A-LA Auto Insurance |
Liability-only from $28/month; typical range $85-$145/month, up to $175/month after a DUI/DWI |
A-LA Auto Insurance |
| State Farm |
~$49/month average liability-only |
Insurify |
| Redpoint County Mutual |
~$113/month average |
Policygenius |
| GEICO |
~$1,447/year average |
Clearsurance |
| Progressive |
~$1,574/year average |
Clearsurance |
| USAA |
~$1,580/year average |
Clearsurance |
| Nationwide |
~$2,058/year average |
Clearsurance |
That $28/month advertised starting rate from A-LA is a floor, not a typical bill — the same source's own typical range runs $85-$145 a month, climbing to $175 after a DUI/DWI. Treat the low advertised number the way you'd treat any "starting at" price: real for some drivers, not representative of most.
The SR-22 filing fee in Texas is a separate one-time cost, typically around $25 across most insurers, including Freeway Insurance and The General.
Who to Actually Call
If your SR-22 is tied to a standard violation rather than a DUI, State Farm's roughly $49/month average liability-only quote (per Insurify) and A-LA's lower advertised tier are both worth starting with. If it's DUI-related, the Clearsurance annual figures suggest GEICO tends to run cheaper than Progressive, USAA, or Nationwide for the same profile — though that ranking can shift based on your specific record, so confirm with a direct quote rather than assuming the ranking holds for your situation.
Non-Owner SR-22 in Texas
If you don't currently own a vehicle, texassr22.com and other Texas-specific SR-22 specialists point out that a non-owner policy can come in meaningfully below the owner-policy numbers above — smartinsureme.com cites non-owner pricing as low as $25/month for qualifying drivers, though your actual rate depends on your driving record and the violation behind the SR-22.
Frequently Asked Questions
How much does it cost to get an SR-22 in Texas?
The filing fee itself is typically around $25, separate from your premium. Premiums vary widely — from roughly $28-$150 a month for standard violations depending on the insurer, rising toward $175 a month or more after a DUI/DWI.
How long do I need an SR-22 in Texas?
Two years, flat, counted from the date of your conviction — this applies consistently across alcohol-related, drug-related, and license-invalid suspension cases per Texas DPS.
What insurance company has the cheapest SR-22 in Texas?
Reported averages vary by source and driver profile: Insurify puts State Farm around $49/month for liability-only coverage, while GEICO tends to show the lowest annual average among major carriers in Clearsurance's analysis. Get quotes from at least two to three insurers to see where you actually land.
Does a second violation restart my two-year SR-22 clock in Texas?
Effectively, yes. If you're convicted again before your original two years are up, the requirement runs from the newer conviction date, extending your total time beyond the original two years.
What if I can't afford SR-22 insurance in Texas?
Non-owner SR-22 policies, if you don't currently own a vehicle, run meaningfully cheaper than owner policies — some Texas-specific specialists advertise rates as low as $25/month for qualifying drivers. Ask directly whether you qualify for non-owner pricing before assuming a full owner policy is your only option.
