Minimum Coverage Requirements in Texas
Texas operates under a tort liability system. The state requires 30/60/25 minimum liability — $30,000 per person, $60,000 per accident for bodily injury, $25,000 for property damage. Occupational driver licenses allow medical-purpose driving as a permitted use category. The Texas Department of Public Safety processes applications and sets route and time restrictions based on submitted documentation.
Meeting the state minimum keeps you legal. See whether it's enough — get your Texas quote.
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Medical-hardship occupational licenses require SR-22 filing if your underlying suspension cause triggers it — DUI, multiple violations, at-fault uninsured accident. SR-22 increases premiums 40-80% over standard rates. Caregiver medical use adds documentation complexity but doesn't always increase premiums if your driving record is otherwise clean.
What Affects Your Rate
- DUI or multiple-violation SR-22 filing adds $60–$110/month to base premium in Texas — the SR-22 itself costs $25-$50 to file, but the high-risk classification drives the bulk of the increase.
- Houston and Dallas medical-hardship drivers pay 15-25% more than rural East Texas drivers due to higher uninsured motorist rates and congestion-related accident frequency.
- Caregiver medical use requiring route modifications to multiple treatment centers or pharmacies can increase premiums 10-20% if total mileage exceeds standard commute assumptions.
- Occupational license holders maintaining clean records for 12+ months can qualify for step-down pricing — premiums decrease 10-15% annually if no new violations occur.
- Non-owner SR-22 policies for medical-hardship drivers cost $50–$85/month in Texas, 40-50% less than vehicle-attached SR-22 policies, because they cover driver-only liability with no collision or comprehensive exposure.
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Get Your Free QuoteCoverage Types
Medical-Hardship SR-22 Insurance
SR-22 filing proves continuous liability coverage to the Texas DPS. Required for occupational licenses if your suspension stems from DUI, at-fault uninsured accident, or repeat violations.
Caregiver-Use Restricted Coverage
Standard liability coverage written to accommodate occupational license route and time restrictions. Covers medical-purpose driving for yourself or a dependent family member.
Non-Owner SR-22 for Medical Trips
Liability-only policy for drivers without a personal vehicle who borrow cars for medical appointments. SR-22 filing attaches to you as a driver, not the vehicle.
Liability Insurance
Covers injuries and property damage you cause to others. Texas minimum is 30/60/25 but frequently insufficient for serious multi-vehicle accidents.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if an uninsured driver hits you. Optional in Texas but strongly recommended for high-frequency medical-trip drivers.
