Cheapest SR-22 Car Insurance in Texas (August 2024)

SR-22 isn't a type of car insurance. It's a certificate of financial responsibility that you may be required to carry after a driving violation like a DWI or at-fault accident. Your insurer files the SR-22 form to prove you have liability coverage. The form does not directly impact your rates, but violations that require SR-22 filing can increase your premiums significantly.

For liability-only coverage, Progressive and Mercury offer the cheapest SR-22 insurance for Texas drivers, averaging $601 and $609 annually, respectively. The two cheapest insurers for non-owner SR-22 insurance in Texas are State Farm and GEICO, which charge $429 and $899 per year.

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

• Progressive: $50 per month; $601 per year
• Mercury: $51 per month; $609 per year

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

• Progressive: $122 per month; $1,462 per year
• Texas Farm Bureau: $124 per month; $1,488 per year

After a moving violation, your car insurance rates may rise because insurers view you as a high-risk driver. Still, you can find cheap car insurance with an SR-22 by shopping around and comparing quotes.

In Texas, State Farm offers the cheapest non-owner SR-22 car insurance. The cheapest companies are:

• State Farm: $36 per month; $429 per year
• GEICO: $75 per month; $899 per year

Non-owner car insurance can fulfill the liability coverage requirements for drivers who are required to carry SR-22 but don't own a vehicle. This insurance is necessary following license suspension, revocation or severe traffic violations. If you're a non-owner driver, finding the most affordable provider is key to managing costs while staying legally compliant.

An SR-22 is a certificate of financial responsibility, not an insurance policy itself. It's filed by your insurance company to prove you have the state minimum coverage after serious traffic violations like a DWI, repeat traffic offenses, or driving without insurance. You'll need to maintain an SR-22 for two years in Texas. If your SR-22 is canceled, terminated or lapses, your insurer will notify the Texas Department of Public Safety.

An SR-22 certificate verifies that you carry the following minimum car insurance requirements in Texas:

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

Even if you don't own a vehicle, you'll need SR-22 non-owner car insurance in Texas.

Texas drivers who receive a violation for driving while intoxicated (DWI), driving without insurance or committing serious traffic offenses must file an SR-22. This form proves you have at least the minimum coverage auto insurance, a requirement for keeping your driver's license. In Texas, drivers must carry an SR-22 for two years following these convictions. Specific violations that require an SR-22 include:

Filing an SR-22 in Texas can lead to higher insurance rates, fewer coverage options and extra filing fees. But it can also mean insurers might refuse to cover you or even cancel your policy mid-term. If this happens, get another policy as soon as possible. If you let your insurance lapse, you could have to restart your SR-22 requirement, which typically lasts two years in Texas.

An SR-22 negatively impacts your car insurance in Texas in the following ways:

The average annual cost of SR-22 insurance in Texas for drivers with a DWI is $1,213 for minimum coverage and $2,490 for full coverage. Texas drivers with a clean record pay significantly less per year, averaging $794 for minimum coverage and $1,715 for full coverage. Your premiums depend on your driving history.

The SR-22 certificate doesn't increase rates — the DWI or other severe offense does. If you're a repeat offender, your insurer may not renew your policy or may increase your rates at renewal time.

Filing an SR-22 is non-negotiable for Texans with certain violations. Failure to comply can lead to further legal and financial trouble. Securing an SR-22 in Texas involves the following steps:

If your SR-22 in Texas lapses, your driving privilege will be re-suspended. You'll need to pay for a new SR-22 to reinstate your license, and the SR-22 filing period may start over again.

If you need car insurance after a DWI, expect your premiums to go up. In Texas, a DWI stays on your record permanently unless you can get it expunged or sealed. Texans with a clean record pay around $794 per year for state minimum coverage, but a DWI can raise this to $1,213.

You still have options for affordable coverage. When filing an SR-22, you must maintain at least the minimum liability coverage of 30/60/25 for two years. Comparing your options can help you find the cheapest rate.

Finding affordable SR-22 insurance in Texas can be a challenge for drivers. Get answers to common questions about securing cost-effective coverage.