Cheapest SR-22 InsuranceTexasCheapest SR-22 Car Insurance in Texas (2023)
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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.
Cheapest SR-22 InsuranceTexasCheapest Companies for SR-22 Car Insurance in Texas
Cheapest Companies for SR-22 Car Insurance in Texas
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.
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What Is SR-22 in Texas?
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- Renewing a license that has been revoked or suspended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.
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After fulfilling the required term of your SR-22 insurance, your provider should file a Financial Responsibility Cancellation Form. This will serve as a notice to the state that you have completed the mandatory filing period.
Cheapest Companies for Non-Owner SR-22 Car Insurance in Texas
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.
WHAT IS NON-OWNER CAR INSURANCE?
Non-owner car insurance offers liability coverage for individuals who drive frequently but do not own a vehicle, such as those who drive rental cars or work as rideshare drivers. This coverage will cover third-party bodily injury and property damage if you are at fault in an accident.
Non-owner vehicle insurance in Texas is usually cheaper than standard insurance. Comparing quotes from several insurers can help you find the most reasonable rates.
Average Cost of SR-22 Car Insurance in Texas
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.
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To ensure you still get the most affordable rates for SR-22 insurance in Texas, compare insurance quotes every year or at each renewal since rates can fluctuate over time.
How SR-22 Affects Car Insurance Rates in Texas
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.
Car Insurance Rate Comparison Based on Driving Records in Texas
Clean Driving Record
Annual Premium for Minimum Coverage
$561
After a DUI
Annual Premium for Minimum Coverage
$855Car insurance premiums after a DUI are on average:$294 more
This is 52% more expensive.
Other Effects of SR-22 on Car Insurance in Texas
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:
1
Limited number of insurance options
Insurance providers are not legally obligated to provide coverage to high-risk drivers. This means that some companies may choose not to cover you if you have a history of violations, limiting your options for car insurance.
2
Possible policy cancellation
If you file an SR-22 or choose not to renew it, your current insurance carrier may decide to cancel your policy for the remaining term.
3
Length of the required filing
In Texas, you must maintain coverage for a mandatory period of two years beginning from the date of the conviction that requires an SR-22.
4
Filing fees
When filing an SR-22, you may be required to pay a one-time filing fee that can range from $15 to $50.
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How to Get SR-22 Insurance in Texas
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.
TEXAS LICENSE REINSTATEMENT FEE
In Texas, you will need to pay a reinstatement fee of $100 to get your driver's license reinstated after suspension. Along with the fee, you must submit a valid SR-22 form to the Texas DMV. Reinstatement fees can change over time, so checking with your local DMV for up-to-date rates is crucial.
How to Get Cheaper Car Insurance in Texas After a DUI
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.
Compare quotes immediately
SR-22 car insurance quotes can vary depending on the insurer, so it pays to compare quotes from multiple providers. To get the cheapest car insurance after a DUI in Texas, get quotes from three or more insurers to compare rates for your profile.
Complete DUI classes or programs
Participating in DUI classes can enhance your driving record by reducing the likelihood of future accidents and violations, resulting in cheaper insurance rates. The Texas Department of Licensing and Regulation has a list of recommended courses for those with DUI or DWI offenses.
Look for discounts
Discounts can help you get better rates on your car insurance. While you may not be eligible for safe driving or good driving discounts, there are other common discounts like bundling, safety equipment and multiple-car discounts you may qualify for. Contact your insurance provider about potential savings.
Practice safe driving
Implementing safe driving practices, such as reducing driving distances and frequency, can minimize the risk of additional violations. This will keep your rates from increasing and help you improve your record.
Shop rates over time
Even if your current policy is affordable, we recommend comparing quotes at the renewal of your plan to ensure you still get the best rates. Premiums can change over time, so it's best to review your options periodically.
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Non-standard auto insurance is a viable choice for high-risk drivers who have violations on their records. While non-standard auto insurance usually comes with higher costs than traditional insurance, it can be the most suitable option for those struggling to find coverage elsewhere due to their poor driving records.
Frequently Asked Questions About SR-22 Insurance in Texas
To help you find the best coverage, MoneyGeek answered some frequently asked questions about SR-22 car insurance in Texas.
About Mark Fitzpatrick
sources
- Texas Department of Licensing and Regulation. "Alcohol, DWI and Drug Education Course Providers." Accessed June 26, 2023.
- Texas Department of Public Safety. "Financial Responsibility Insurance Certificate." Accessed June 9, 2023.