Quick Answer: SR22 insurance typically costs $25–$50 as a one-time or annual filing fee. The real cost increase comes from the high-risk auto insurance policy required to support the SR22 — which runs $100–$300+ per month in Texas, depending on your violation, driving history, and location. Houston drivers with a DUI can expect to pay toward the higher end of that range. 

If a Texas court or the DPS has required you to file an SR22, you're probably wondering exactly how much this is going to cost you each month. The good news: an SR22 is cheap. The real cost is the high-risk insurance policy that comes with it. If you're also exploring your broader coverage options while getting back on track, you can learn more about our auto insurance services at AZ Insurance Agency. 

In this guide, we break down real 2026 SR22 insurance costs in Texas — by violation type, by city, and by driver profile — so you know exactly what to expect before you file. 

How Much Does SR22 Insurance Cost a Month? 

The SR22 filing fee itself is small — typically $25 to $50, charged once or annually depending on your insurer. What drives your monthly cost is the underlying high-risk auto insurance policy required to support the filing. 

Your insurer files the SR22 form with the Texas DPS on your behalf — it's a certificate proving you carry the state-required minimum liability coverage. The form itself doesn't cost much; your driving record is what determines your premium. You can get a fast auto insurance quote online to see what your rate looks like today. 

How Much Is SR22 Insurance in Texas by Violation Type? 

Prices may vary based on your specific provider, coverage selections, driving/claims history, and other individual factors. The figures above are estimates only and are not a guarantee of your actual rate. 

Prices may vary based on your specific provider, coverage selections, driving/claims history, and other individual factors. The figures above are estimates only and are not a guarantee of your actual rate. If a DUI is the reason behind your SR22 requirement, our blog on how a DUI can affect your auto insurance rates is a helpful read before you shop for coverage. 

How Much Is an SR22 in Texas City? 

Location plays a meaningful role in your SR22-supported policy cost. Urban areas with higher traffic density and claims frequency generally cost more. No matter which city you're in, our locations across the Houston area and DFW make it easy to get in-person help with your SR22 filing: 

Prices may vary based on your specific provider, coverage selections, driving/claims history, and other individual factors. The figures above are estimates only and are not a guarantee of your actual rate.

Prices may vary based on your specific provider, coverage selections, driving/claims history, and other individual factors. The figures above are estimates only and are not a guarantee of your actual rate. If you're in the DFW area, you can visit our Plano location or our Lewisville location for local assistance. 

SR22 Cost by Driver Type 

Prices may vary based on your specific provider, coverage selections, driving/claims history, and other individual factors. The figures above are estimates only and are not a guarantee of your actual rate. 

How Long Do You Need to Carry SR22 in Texas? 

Most Texas SR22 requirements last 2 years from the date of conviction or the court order, though this can vary based on the specific violation and judge's order. Key points to know: 

• Any lapse in coverage during the SR22 period restarts the clock — your insurer is required to notify the DPS of any cancellation 

• You must maintain continuous coverage for the entire required period without a single gap 

• Once the SR22 period ends, you can usually shop for standard insurance again — premiums typically drop significantly 

• Some violations (multiple DUIs) may require longer SR22 periods at the court's discretion 

How to Lower Your SR22 Insurance Cost 

• Shop multiple high-risk insurers — rates vary significantly for SR22 policies between carriers 

• Choose state-minimum liability limits if you can't afford more — this is often the most affordable compliant option 

• Maintain perfect compliance — any lapse extends your SR22 period and resets your risk profile 

• Take a defensive driving course where eligible — may reduce points on your record 

• Ask about installment plans — many high-risk insurers offer monthly payment options without large fees 

• Re-shop your policy annually — as time passes since your violation, rates typically improve 

 For more actionable tips on cutting your premium, read our guide on how to save money on car insurance in Texas. And if you want to explore what standard coverage options exist once your SR22 period ends, visit our auto insurance page to compare your choices. 

Frequently Asked Questions 

Q1: How much does SR22 insurance cost a month in Texas? 

The SR22 filing fee is typically $25–$50, but the real monthly cost comes from the required high-risk auto insurance policy, which runs $100–$300+ per month depending on your violation, driving record, and city. Total monthly cost for most Texas drivers ranges from $125 to $350. 

Q2: How much is SR22 insurance in Texas after a DUI? 

After a first DUI, Texas drivers typically pay $180–$300 per month for an SR22-supported policy. Multiple DUIs or additional violations can push monthly costs to $250–$400 or more, depending on the insurer and your specific record. 

Q3: How much is an SR22 in Texas if I just need it for a coverage lapse? 

If your SR22 is required due to a lapse in insurance rather than a major violation like a DUI, your costs are typically lower — often $120–$220 per month. This is because lapse-related SR22 filings are viewed as lower risk than DUI or reckless driving filings. Read our post on whether you need insurance before registering a car in Texas to understand your obligations from the start. 

Q4: Does SR22 insurance cost more in Houston than in other Texas cities? 

Yes, generally. Houston's higher traffic density, claims frequency, and theft rates push SR22-supported policy costs toward the higher end of the Texas range — typically $160–$320 per month compared to $100–$200 in rural areas. 

Q5: Can I get cheap SR22 insurance in Texas? 

Yes. While SR22 policies cost more than standard insurance, shopping for multiple high-risk carriers can save you significantly. Choosing state-minimum liability limits and maintaining perfect payment and compliance history are the most effective ways to keep your SR22 insurance as affordable as possible. You can also check out what the main purpose of auto insurance is to better understand what coverage you actually need. 

Q6: What happens if my SR22 insurance lapses? 

If your SR22-supported policy lapses for any reason — including non-payment — your insurer is required to notify the Texas DPS immediately. This can result in license suspension and restarts your required SR22 filing period from scratch. Maintaining continuous coverage is essential. 

Get a Quote in Houston Today 

At AZ Insurance Agency, we specialize in SR22 filings and high-risk auto insurance for Houston-area drivers. Our licensed agents shop for multiple carriers to find you the most affordable compliant policy — and handle the SR22 filing with the Texas DPS for you. Get a fast quote in English or Spanish at any of our 15 Houston locations.