Cheapest SR-22 Car Insurance in Texas

State Farm offers Texas's most affordable SR-22 insurance at $1,299 for minimum coverage and $2,601 for full coverage. The minimum rate is $1,288 below the statewide average of $2,587, making State Farm about 50% cheaper than typical SR-22 prices in Texas.

GEICO, the most expensive on our list, costs $2,056 for minimum coverage, still 21% below the state average but $757 more than State Farm. Texas's large market shows moderate price variation, with State Farm leading the field.

The table below shows the five companies with the lowest SR-22 insurance rates in Texas.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm most frequently wins categories statewide. The cheapest category is Drivers With Multiple Speeding Tickets, at $769 for minimum coverage SR-22 insurance with State Farm, while the most expensive is Young Drivers With a Suspension, at $1,456 with State Farm. The $687 spread underscores how youthful suspension histories spike SR-22 premiums.

Expect your pricing to change based on your specific violation and how long it remains on your driving record.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

San Angelo offers the lowest minimum coverage SR-22 rate at $893 (State Farm), while Garland averages $1,609 (State Farm). The $716 difference equals about 80% higher in the Dallas metro area, consistent with larger urban driving risks.

Local traffic density, claim activity, and repair costs are key inputs insurers use to set city-level SR-22 rates in Texas.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm ranks as the best car insurance provider for SR-22 filing in Texas, offering the strongest combination of affordable rates, quality customer service and useful coverage options. Our analysis shows it earned the highest overall MoneyGeek score. When comparing providers, also consider Progressive, Mercury Insurance, AAA and Farmers for your SR-22 needs.

To comply with Texas laws, you must carry these minimum liability limits:

• $30,000 personal injury liability per person
• $60,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for two years. It can be extended to three years or more, depending on the violation and if there is noncompliance with requirements or repeated offenses."

While filing an SR-22 helps meet Texas's basic insurance requirements, drivers must understand several additional coverage laws and regulations.

In Texas, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts two to three years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Texas:

MoneyGeek analyzed hundreds of thousands of quotes across Texas to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Texas SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Texas's minimum coverage requirements, with the following limits:

• $30,000 personal injury liability per person
• $60,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.