Texas DUI and Suspended License Insurance Guide
Texas requires 30/60/25 liability coverage and is an at-fault state.
Find Coverage for My SituationTexas at a Glance
30/60/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Texas
After a DUI or serious violation in Texas, your current carrier will typically send a non-renewal notice rather than canceling your policy outright — you'll have coverage until the end of your term, but you cannot renew. Texas requires continuous liability coverage, and for most DUI or suspended license cases, you must file an SR-22 certificate with the Texas Department of Public Safety to prove you carry the state minimum. Most standard carriers do not offer SR-22 filings or coverage to high-risk drivers, so you'll need to find a non-standard insurer that specializes in violation-aftermath drivers.
SR-22 Insurance
Non-Standard Auto Insurance
Liability Insurance
High-Risk Auto Insurance
Comprehensive and Collision Coverage
What Drivers Pay in Texas
$297–$393/mo
Typical monthly rate in Texas, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Type of violation — DUI convictions carry the highest surcharge, followed by at-fault uninsured accidents and suspended license driving
- Time since offense — rates decrease significantly after 3 years with no additional violations
- Age and gender — young male drivers with violations pay the highest premiums in Texas
- Location — urban areas like Houston, Dallas, and San Antonio have higher non-standard rates due to accident frequency and uninsured driver rates
- Continuous coverage — drivers who maintain coverage without lapse during the filing period see better rates when shopping at renewal
Get Back to a Fair Rate After a Violation
Find Coverage for My SituationCoverage Types
SR-22 Insurance
The state-mandated certificate proving you carry continuous liability coverage after a DUI, suspension, or serious violation. Your non-standard carrier files it electronically with the Texas Department of Public Safety.
Non-Standard Auto Insurance
Coverage from carriers that specialize in high-risk drivers and offer SR-22 filing services. This is typically the only option after a violation, as most standard carriers will not renew your policy.
High-Risk Auto Insurance
Broad category covering all policies for drivers with violations, lapses, or license issues. Premiums decline as the offense ages and your record improves.
Liability Insurance
State-required coverage that pays for injuries and property damage you cause to others. After a violation, maintaining continuous liability coverage without lapse is legally required during your SR-22 filing period.