An SR-22 filing fee in Texas is typically $15–$50, but the underlying high-risk policy costs 50–150% more than a standard policy. Expect total annual premiums of $2,000–$4,500 while the SR-22 is required, usually for two years.
What drives the cost
- The underlying conviction (DWI, no-insurance, license suspension)
- Non-standard carrier rates (Bristol West, Mercury, Acceptance)
- Continuous coverage requirement — any lapse restarts the clock
- Your ZIP code, vehicle, and prior record
Frequently asked questions
How long do I need an SR-22 in Texas?
Typically two years from the conviction date.
Is the SR-22 itself expensive?
The filing is cheap; the high-risk policy behind it is not.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.