SR-22 Cost Calculator Texas

Estimate your Texas SR-22 monthly premium, annual cost, and full 2-year filing total in under a minute. Adjust county, violation type, owner status, coverage tier, age, and time since the violation — the calculator updates instantly.

A-LA SR-22 policies start at $28/month. Same-day TxDPS electronic filing across 20+ offices in Texas. Texas-licensed agency.

Quick Answer

SR-22 is not insurance — it is a certificate of financial responsibility your carrier files with Texas DPS proving 30/60/25 liability coverage. Your cost is the auto premium plus a one-time $15–$25 filing fee, and Texas requires the filing for two years from the conviction date. County, violation, age, and coverage tier drive the premium. This A-LA tool estimates yours.

This calculator returns an estimate — a quick answer to “how much is sr22 insurance” for your specific profile. If you want the full picture instead — every SR-22 driver profile priced side by side, the two cost components separated, and what changes the number at renewal — A-LA keeps one detailed cost breakdown for Texas: how much SR-22 insurance costs in Texas. Read that first, then come back and price your own profile here.

Key Takeaways

SR-22 is not a separate policy — it is a filing attached to a Texas auto policy, so the premium underneath is the real cost.
The one-time SR-22 filing fee, charged by the carrier, typically runs $15 to $25 and is separate from your monthly premium.
Texas requires SR-22 for 2 consecutive years counted from the conviction date (Tex. Transp. Code Chapter 601) — a lapse triggers an SR-26 and re-suspension.
A non-owner SR-22 typically costs less than an owner policy because it covers liability only in borrowed or rented vehicles.
A-LA SR-22 policies start at $28/month with same-day electronic TxDPS filing across 20+ offices in Texas.

How the Calculator Works

The A-LA SR-22 Cost Calculator turns six driver inputs into a deterministic premium estimate using a multiplier model built on typical estimated ranges across 35+ Texas-licensed carriers. It starts from a reference base rate, never returns less than A-LA's $28 per month pricing floor for Texas SR-22, and multiplies by your county, violation type, owner status, coverage tier, age band, and years since the last violation. The result is a low-to-high range, with the low end representing a clean record at the chosen violation tier and the high end representing a recent or stacked violation.

The output panel shows three rolled-up totals: a monthly range, an annual range, and a full SR-22 filing-period total. Texas requires SR-22 for 2 consecutive years from the date of conviction (Tex. Transp. Code Chapter 601); only a court order can extend it. The calculator uses this 2-year period so the multi-year total reflects what you will actually pay across the full filing window. The estimate excludes the one-time SR-22 filing fee your insurer charges (typically $15-$25), which A-LA discloses in writing at quote time. To convert an estimate into a real bindable quote, call (866) 252-6116 or click Get Real Quote.

The calculator never returns a number below A-LA's $28/month floor — even for drivers whose multipliers would mathematically produce a lower result. This protects against underinsured policies that fail Texas's 30/60/25 minimum and ensures the SR-22 filing remains sustainable across the full 2-year requirement period.

Texas SR-22 Cost Drivers

Six factors move SR-22 pricing in Texas, and each is captured by the calculator. Together they explain why two drivers with the same violation can pay $40 versus $250 per month for the same SR-22 filing.

County / ZIP

Dallas County is A-LA's baseline (1.0x). Tarrant runs ~0.95x; Collin and Denton suburbs ~0.85x; rural counties (Hood, Wise, Hunt, Navarro, Parker) drop to 0.65-0.7x. Texas insurers price ZIP-by-ZIP using crash frequency, theft, and uninsured-motorist data.

Violation type

DUI/DWI is the heaviest multiplier (2.5x). Multiple violations stack to 2.0x. License suspension runs 1.8x. At-fault uninsured accidents 1.5x. Driving without insurance 1.4x. Other court-ordered SR-22 1.3x.

Coverage tier

Liability-only at Texas's 30/60/25 minimum is 1.0x. Adding uninsured/underinsured motorist coverage moves to 1.3x. Full coverage with collision and comprehensive moves to 2.2x. Most SR-22 drivers choose liability-only to keep the recurring cost manageable across the full 2-year filing period.

Age and time since violation

Drivers 18-24 carry a 1.5x multiplier. 25-34 are the baseline (1.0x). 35-64 drops to 0.85x. 65+ returns to 1.0x. Each year past the violation lowers the multiplier from 1.0x at year 0 down to 0.7x at year 4+, reflecting how Texas carriers re-tier risk as the violation ages.

A non-owner SR-22 is the single biggest lever for cost-conscious drivers. Selecting Non-Owner applies a 0.6x multiplier — roughly 40% off the owner equivalent — because the policy only covers liability when you drive a borrowed or rented vehicle. Non-owner SR-22 is the right tool when your TxDPS suspension predates the loss of your vehicle or when you sold a car after a DUI/DWI. A-LA non-owner SR-22 quotes start at $28/month.

Why Same-Day Filing Matters

Every day your Texas license is suspended is a day you cannot legally drive — to work, to court, to childcare, to a job interview. The single fastest path to reinstatement is binding an SR-22 policy and having your insurer transmit the SR-22 form electronically to TxDPS the same day. A-LA files SR-22 electronically with TxDPS the same business day you bind, from any of 20+ offices across Texas. Most clients walk in and walk out with email proof of insurance and the TxDPS submission receipt within 30-45 minutes.

Same-day filing also matters for the calendar: TxDPS counts the SR-22 requirement period (2 years) from the date of conviction — filing late does not shorten the window, and every day without an active filing is a day you cannot legally drive. Call (866) 252-6116 to start your filing today.

Frequently Asked Questions

The A-LA SR-22 cost calculator gives a directional estimate, not a binding quote. It starts from a reference base rate (never below A-LA's $28/month liability floor) and applies multipliers for county, violation type, owner status, coverage tier, age, and time since last violation. Real Texas SR-22 premiums also depend on credit-tier (where allowed), ZIP-level loss history, vehicle make/model, prior carrier gaps, and which of A-LA's 35+ Texas-licensed carriers will accept the risk on the day you bind. For an exact bindable quote, call (866) 252-6116 or visit any of the 20 A-LA Texas offices.

$28 per month is the A-LA Auto Insurance pricing floor for Texas SR-22 — it is the lowest monthly premium A-LA quotes for non-owner SR-22 liability-only coverage. Even when a driver's profile would mathematically yield a lower number (rural county, mature driver, long clean record post-violation), the floor applies. This protects against under-insured policies and keeps premiums sustainable across the 2-year SR-22 filing period required by Texas law.

Texas requires SR-22 for 2 consecutive years from the date of conviction (Tex. Transp. Code Chapter 601) — not from the filing or reinstatement date. Only a court order can extend the period. Coverage must be continuous — even a single-day lapse triggers an SR-26 cancellation form filed with TxDPS, immediate license re-suspension until you refile a new SR-22, and another reinstatement fee. The original 2-year end date stays anchored to the conviction date and does not move. The calculator multiplies your estimated annual premium by 2 to show your full-period cost.

The calculator estimates your insurance premium only — not the one-time SR-22 filing fee. Texas SR-22 filing fees typically run $15 to $25 and are charged once by your insurer when it transmits the SR-22 certificate to TxDPS electronically. A-LA discloses the filing fee in writing at quote time before you bind. The premium estimate the calculator returns is the recurring monthly cost you will pay throughout your SR-22 period.

Texas insurers price by ZIP and county because crash frequency, theft, vandalism, uninsured-motorist rates, and litigation patterns vary significantly across the state. Dallas County is A-LA's baseline (1.0x); Tarrant County (Fort Worth/Arlington) runs slightly lower (~0.95x); Collin/Denton suburbs run lower again (~0.85x); rural Texas counties run 0.65x to 0.7x of the Dallas baseline. The calculator applies these county-level multipliers automatically when you select your county.

Yes. A non-owner SR-22 policy typically costs less than an owner policy because it provides liability coverage only when you drive a borrowed or rented vehicle — there is no specific covered car, no collision, no comprehensive. The calculator applies a 0.6x multiplier when you select Non-Owner. This is the right tool for Texas drivers who need to satisfy TxDPS to reinstate a license but do not currently own a vehicle. A-LA non-owner SR-22 starts at $28/month.

Yes. After running the calculator, click Get Real Quote to start an A-LA quote, or call (866) 252-6116 to speak with a Texas-licensed bilingual agent. A-LA compares 35+ Texas-licensed carriers — including non-standard SR-22 specialists — and files SR-22 electronically with TxDPS the same day you bind the policy. Quotes typically take about 15 minutes by phone or in any of the 20+ A-LA Texas offices.

Related SR-22 resources

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APA

H., Ray (2026). SR-22 Cost Calculator Texas | A-LA Auto Insurance. A-LA Auto Insurance. https://alaautoinsurance.com/tools/sr22-cost-calculator

MLA

H., Ray. "SR-22 Cost Calculator Texas | A-LA Auto Insurance." A-LA Auto Insurance, 2026-05-03, https://alaautoinsurance.com/tools/sr22-cost-calculator. Accessed 2026-05-03.

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H., Ray. "SR-22 Cost Calculator Texas | A-LA Auto Insurance." A-LA Auto Insurance. Last modified 2026-05-03. https://alaautoinsurance.com/tools/sr22-cost-calculator.

SR-22 Cost Calculator Texas