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SR-22 Insurance in Texas: Cost, Filing and the 2-Year Rule

Last checked October 19, 2026 · Sources listed below

The short answer

In Texas, an SR-22 (Financial Responsibility Insurance Certificate) is a form your insurance company files with the Texas Department of Public Safety to prove you carry at least the state minimum liability insurance. You must maintain it for 2 years from the date of the conviction that required it, which makes Texas shorter than most states (3 years is the common rule elsewhere). An insurance card or policy will not be accepted in place of the SR-22; the certificate itself must be filed by the insurer. The state charges no filing fee, but a $100 reinstatement fee must be paid before your license is renewed or issued, plus any other outstanding fees. Your insurer may charge its own filing fee; the amount is set by the insurer, not the state.

What it costs

Texas minimum liability: $30,000 bodily injury per person, $60,000 per crash, $25,000 property damage (30/60/25).

How to file, step by step

1. Buy or update a liability policy at 30/60/25 or higher with an insurer authorized in Texas; tell them you need an SR-22.
2. The insurer files the certificate with DPS. A plain insurance card is not accepted.
3. Pay the $100 reinstatement fee and any other outstanding fees (online via the DPS license eligibility portal is the standard route).
4. Keep the coverage active for the full 2 years from the conviction date. If the policy is canceled early, the insurer files an SR-26 with DPS and your license can be suspended again.

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