Does the SR-22 filing fee show up in the monthly premium?

No. The SR-22 filing fee is a one-time charge of $15 to $30 collected by your insurer when they transmit the SR-22 certificate to TxDPS electronically. The calculator separates this fee from the recurring premium so you can see both numbers. A-LA discloses the exact filing fee in writing at quote time before you bind.

SR-22 Cost Calculator Texas — Free 2026 Estimator

What affects your real SR-22 rate

Four factors move SR-22 pricing in Texas more than anything else. The calculator captures each one — the cards below cite the statute or carrier rule that drives the difference.

Violation type

DWI under Tex. Penal Code §49.04 carries the heaviest multiplier and is the only Texas violation triggering a 3-year SR-22 under Tex. Transp. Code §601.084. Multiple moving violations and license suspensions stack next; uninsured at-fault accidents and no-insurance citations sit below those.

Coverage tier

Liability-only at the Texas 30/60/25 minimum (Tex. Transp. Code §601.072) is the base. Full coverage adds collision and comprehensive and roughly doubles the recurring premium. Non-owner SR-22 strips down to liability when you drive a borrowed vehicle and is approximately 40 percent cheaper than owner liability.

ZIP / region

Texas carriers price ZIP-by-ZIP because crash frequency, theft, vandalism, and uninsured-motorist rates vary across the state. Dallas County (752xx) is the DFW baseline; Tarrant (761xx) runs lower; Collin/Denton suburbs (750xx) lower again; rural Texas counties drop to roughly 0.75 of the Dallas baseline.

Age and time since violation

Drivers 21-25 carry the highest multiplier; 26-35 is the baseline; 36-50 drops to ~0.85x; 51+ returns to ~0.9x. Each year past the violation lowers the multiplier as Texas carriers re-tier risk under their filed rating plans. A clean three-year stretch from the original violation can move you down 25 percent or more.

Frequently Asked Questions

The A-LA SR-22 Cost Calculator gives a directional estimate, not a binding quote. It uses A-LA's $28/month liability floor as the base and applies multipliers for violation type, driver age, coverage tier, ZIP region, and years since the violation. Real Texas SR-22 premiums also depend on credit-tier (where allowed by Tex. Ins. Code §559.053), full ZIP-level loss history, vehicle make and model, prior carrier gaps, and which of A-LA's 35+ Texas-licensed carriers will accept the risk the day you bind. For an exact bindable quote, call (866) 252-6116 or visit any of A-LA's 14 DFW offices.

In Texas, the biggest movers are violation type (DWI/DUI carries the heaviest multiplier and triggers a 3-year SR-22 instead of 2), coverage tier (full coverage runs roughly twice the cost of liability-only), and owner status (a non-owner SR-22 is about 40 percent cheaper than an owner SR-22 because there is no specific covered vehicle). ZIP-level region matters next — Dallas County is the DFW baseline, Tarrant runs slightly lower, Collin and Denton suburbs lower still, and rural Texas counties run 0.7 to 0.75 of the Dallas baseline. Age and time since the violation each move the rate by 10–40 percent.

The calculator is a directional model — it cannot see your actual driving record, your credit tier, the exact ZIP-level loss curve, or which of A-LA's 35+ carriers will accept your risk on a given day. A real quote pulls a current MVR, runs the carriers' actual rating algorithms, and returns a bindable premium that includes the one-time TxDPS filing fee. The full quote takes 10–15 minutes by phone at (866) 252-6116 or in any of the 14 A-LA DFW offices and is what you actually pay — the calculator output is what to expect before that call.

Twenty-eight dollars per month is the A-LA pricing floor for Texas SR-22. Even when a driver's profile multiplies down below that number — a clean record for several years, a low-risk rural ZIP, a mature driver — the floor applies. This protects against policies priced so thin they would fail the Texas 30/60/25 minimum and ensures the SR-22 filing remains sustainable across the 2- to 3-year requirement period set by TxDPS.

Texas Transportation Code §601.084 requires SR-22 for 2 consecutive years from the date the Texas Department of Public Safety (TxDPS) instates the requirement. DWI/DUI convictions extend the period to 3 years under §49.04 and related sections. Coverage must be continuous — even a single-day lapse triggers an SR-26 cancellation form, immediate license re-suspension, and in most cases resets the 2- or 3-year clock to zero.

Yes. A non-owner SR-22 policy costs roughly 40 percent less than an owner SR-22 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 SR-22. It 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. The ZIP field auto-detects the metro region: 770/771/772 prefixes resolve to Houston, 782 to San Antonio, 787 to Austin, 799 to El Paso, plus all DFW prefixes (750, 752, 761). Any other valid Texas ZIP defaults to the Texas rural multiplier (0.75). The base rate, $28/month floor, and 35+ carrier comparison apply statewide — A-LA is a Texas-licensed agency (TDI #3107286) serving the whole state by phone and online from its 14 DFW offices.

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. Most quotes complete in under 15 minutes by phone or in any of the 14 A-LA DFW offices.

Related SR-22 resources

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Estimates based on A-LA's 35+ carrier comparison data. Actual rates vary. TDI #3107286.

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APA

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

MLA

Gilani, Sean. "SR-22 Cost Calculator Texas | A-LA Auto Insurance." A-LA Auto Insurance, 2026-05-28, https://alaautoinsurance.com/tools/sr22-cost-calculator-texas. Accessed .

Chicago

Gilani, Sean. "SR-22 Cost Calculator Texas | A-LA Auto Insurance." A-LA Auto Insurance. Last modified 2026-05-28. https://alaautoinsurance.com/tools/sr22-cost-calculator-texas.

SR-22 Cost Calculator Texas