Cheapest SR-22 Car Insurance in Texas (2024)

Mercury and Progressive are the top two companies for cheap SR-22 insurance in Texas at an average of $543 and $604 per year, respectively.

An SR-22 is a certificate of financial responsibility that you may be required to file after a driving violation. Your insurer files the SR-22 form to prove you have the required liability coverage. The form itself does not directly impact your rates, but violations that require SR-22 filing can increase your premiums significantly.

The two cheapest insurers for non-owner SR-22 insurance in Texas are State Farm and GEICO, which charge $429 and $899 per year, respectively.

The cheapest companies for minimum coverage SR-22 car insurance in Texas are:

• Mercury: $543 per year
• Progressive: $604 per year

The least expensive providers for full coverage SR-22 insurance in Texas are:

• Mercury: $1,218 per year
• State Farm: $1,254 per year

After a driving violation, you will likely pay more for car insurance since you will be considered a high-risk driver. However, you can still find affordable SR-22 car insurance by comparing quotes from different insurers.

The table below displays the rates of the most affordable car insurance companies for SR-22 insurance in Texas, ranging from $543 to $1,300.

An SR-22 is a certificate of financial responsibility that drivers with serious violations must file as proof of liability coverage. An SR-22 form is not a type of policy; it's a document that your insurer files on your behalf with the DMV to certify that you have the minimum car insurance required by the state. These are common circumstances that may require you to file this document:

• DUI, DWI or other severe traffic offenses
• Several traffic infractions during a short amount of time
• Driving while uninsured
• Being involved in an accident without insurance
• Renewing a license that has been revoked or suspended

In Texas, you need to maintain your SR-22 filing for two years from the date of the driving offense conviction.

After a driving violation conviction, your insurer will submit the SR-22 form to the Texas DMV. Your auto insurance premiums will likely increase after filing since your provider will consider you a high-risk driver.

The most affordable non-owner SR-22 car insurance policies in Texas are offered by:

• State Farm: $429 per year
• GEICO: $899 per year

If you have a military background, USAA offers some of the cheapest policies, averaging $557 annually.

Non-owner car insurance can fulfill the liability coverage requirements for individuals who do not own a vehicle but are required to file an SR-22 due to license suspension, revocation or serious traffic violations. MoneyGeek ranked the cheapest non-owner SR-22 car insurance companies in Texas, and their rates, which range from $429 to $1,566.

The average cost of SR-22 car insurance in Texas for drivers with DUIs is $855 per year for minimum coverage and $1,747 per year for full coverage.

SR-22 insurance may also be required for other offenses such as at-fault accidents, reckless driving or speeding. Car insurance rates tend to increase after a violation since insurers consider drivers with poor records as high risk.

Filing an SR-22 in Texas can increase your annual car insurance rates by $294 for minimum coverage and $553 per year for full coverage. Filing an SR-22 increases premiums because it indicates to the insurer that you are a high-risk driver with a high likelihood of filing claims.

In Texas, the requirement to file an SR-22 form may apply if you have been convicted of specific violations, including DUI, multiple convictions for driving without liability insurance or at-fault accident offenses.

Aside from being charged higher rates, you may also get denied coverage or have your policy terminated after filing an SR-22. You should be aware of some of the possible consequences of filing an SR-22, which include:

To obtain SR-22 car insurance in Texas after a violation, you will need to follow these steps:

• Start by finding an insurer that offers car insurance options for drivers with violations on their driving records.
• Purchase a policy that meets the minimum car insurance requirements in Texas.
• Ask your car insurance provider to file an SR-22 form with the Texas DMV on your behalf as proof that you have liability coverage.
• Pay any applicable fees for filing the SR-22 and keep it current for the mandatory two-year filing period.

Following these steps will show your commitment to assuming responsibility for your driving record and ensuring you possess sufficient insurance coverage.

You should expect to pay more for car insurance after a DUI, but there are still measures that you can take to get affordable coverage.

To help you find the best coverage, MoneyGeek answered some frequently asked questions about SR-22 car insurance in Texas.