Texas Auto Insurance After License Suspension for Points
Texas requires 30/60/25 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance QuoteTexas at a Glance
30/60/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Texas
Texas operates under a tort liability system, meaning the at-fault driver's insurance pays for injuries and damage in an accident. The state suspends licenses after accumulating 6 points within 3 years—most commonly triggered by multiple speeding tickets, failure to yield violations, or distracted driving offenses stacking over time. Texas Department of Public Safety administers the Driver Responsibility Program separately from the points system, imposing annual surcharges for certain violations, and both systems run in parallel.
Liability Insurance
Uninsured Motorist Coverage
Personal Injury Protection
High-Risk Auto Insurance
What Drivers Pay in Texas
$286–$399/mo
Typical monthly rate in Texas, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf your license is suspended
Occupational Driver License (Essential Need License)
application fee $10, about 21 days to process.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How many points suspend your license in Texas?
Texas suspends your license after accumulating 6 or more points within a 3-year period. Each moving violation adds points based on severity: speeding 10-14 over adds 2 points, speeding 15-19 over adds 3 points, speeding 20+ over adds 3 points, failure to yield adds 3 points, and running a red light adds 3 points. Points remain on your record for 3 years from the conviction date, and the Department of Public Safety sends a suspension notice once you cross the 6-point threshold.
Do I need SR-22 after a points suspension in Texas?
No, Texas does not require SR-22 filing solely for crossing the 6-point threshold. However, if one of the violations that contributed to your point total was reckless driving, street racing, DWI, or driving without insurance, SR-22 may be required separately for that specific offense. Check your suspension notice from Texas DPS—if SR-22 is mandated, it will be listed explicitly with the filing duration, typically 2 years from reinstatement.
Coverage Types
High-Risk Auto Insurance
Specialist carriers that write policies for drivers with multiple moving violations, recent suspensions, or point totals above standard-market thresholds. No waiting period after reinstatement.
Liability Insurance
Covers injuries and property damage you cause to others. Texas minimum is 30/60/25, but a two-car accident with soft tissue injuries regularly exceeds $60,000 in medical claims alone.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an uninsured driver hits you. Must be rejected in writing or it's automatically included on Texas policies.
SR-22 Insurance
Certificate of financial responsibility filed by your carrier with the state. Required after certain serious violations, but not for points-threshold suspension alone unless a specific violation triggered the requirement separately.