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What Is an SR-22 in Texas?
An SR-22 is not a type of insurance — it's a certificate of financial responsibility that your insurance company files with the Texas DPS confirming you carry at least the state-minimum 30/60/25 liability coverage. Texas DPS uses the SR-22 to monitor high-risk drivers and verify they remain insured continuously.
Austin drivers most commonly need an SR-22 after:
- → A DWI or DUI conviction
- → A license suspension under Tex. Transp. Code §521.341
- → Multiple no-insurance citations
- → Serious at-fault accidents while uninsured
- → Court orders following major traffic offenses
SR-22 Cost in Austin by Driver Profile
| Profile | SR-22 Liability/mo | SR-22 Full Cov/mo | Down |
|---|---|---|---|
| First DWI, age 30, clean otherwise | $52–$78 | $155–$215 | $80–$165 |
| Repeat DWI / multiple violations | $85–$140 | $220–$310 | $150–$280 |
| License suspended, no DWI | $55–$85 | $160–$220 | $90–$170 |
| Non-owner SR-22 (no vehicle) | $32–$52 | n/a | $50–$95 |
| Multiple no-insurance citations | $60–$95 | $180–$240 | $95–$190 |
Estimates based on 2026 modeling for Austin ZIP codes. Actual rates vary by carrier, vehicle, ZIP, and complete driving record. Get a real quote at A-LA.
How to Get SR-22 Filed in Austin (Step by Step)
Call or quote online
Call A-LA at (866) 252-6116 or submit your information online. Provide your driver and vehicle info — no credit check, no in-person visit.
Compare 35+ carriers
A-LA shops your case across 35+ non-standard SR-22-friendly carriers in real time to find your lowest Austin rate.
Bind your policy
Pay your down payment by phone or online. Coverage activates immediately.
Same-day SR-22 filing
A-LA submits the SR-22 electronically to Texas DPS the same day. Filing typically reflects on your DPS record within 1–2 business days.
Receive digital proof
Insurance ID card and SR-22 confirmation emailed within minutes. Bring it to any Texas DPS office for license reinstatement.
SR-22 After an Austin DWI
Travis County DWI convictions trigger an automatic SR-22 requirement under Tex. Transp. Code §521.341. The standard term is 2 years from the conviction date — but Texas DPS can extend it if you miss a payment, let coverage lapse, or accumulate additional violations during the SR-22 window.
Key facts for Austin DWI drivers:
- • First-offense DWI: SR-22 + occupational license often required to drive to work.
- • Second offense: SR-22 plus ignition interlock under Tex. Transp. Code §521.246.
- • Maintaining continuous SR-22 is mandatory — lapses re-suspend your license.
- • Filing must come from a Texas-licensed insurer or agency (A-LA qualifies, Texas-licensed agency).
Minimum Liability Behind the SR-22
$30,000
Bodily Injury / Person
$60,000
Bodily Injury / Accident
$25,000
Property Damage / Accident
Required by Tex. Transp. Code §601.051. SR-22 confirms you carry this minimum continuously throughout the 2-year term.
Frequently Asked Questions
File Your Austin SR-22 Today
Same-day electronic filing with Texas DPS. Texas-licensed agency. Liability + SR-22 from $52/month. Bilingual phone agents.
(866) 252-6116