Which Texas Insurance Companies Offer the Cheapest SR-22 Insurance?
SR-22 insurance usually costs more than standard car insurance due to the severity of the driving violation. While the form itself only costs a small, one-time fee, the related offenses can significantly increase your car insurance premiums. On average, minimum coverage SR-22 car insurance in Texas costs $988 per year when an SR-22 is filed due to a DUI. On the other hand, the average Texas car insurance policy without an SR-22 costs about $643 annually.
While insurance may be more expensive after a serious violation, there are some affordable options to choose from if you want cheap SR-22 insurance in Texas. MoneyGeek found that the least expensive provider for SR-22 car insurance in Texas is Farmers Insurance, with an average annual price of $621 for a minimum coverage policy.
Cheapest Companies for SR-22 Insurance in Texas
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The costs above are for a plan that meets minimum car insurance requirements in Texas or a full coverage policy covering $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs. Average insurance costs vary among providers but tend to be exceptionally high if you need an SR-22. Other factors that can make SR-22 insurance expensive include filing costs and loss of discounts. If you’re looking for the lowest rates for SR-22 coverage in Texas, it is a good idea to compare quotes from at least three different providers.
If price isn't your number one priority when it comes to car insurance, we recommend checking out the top car insurance companies in Texas.
SR-22 insurance involves a filing cost, usually a $25 one-time fee.
You’re ineligible for safe driver discounts after filing an SR-22, which can make your policy more expensive.
The severity of your violation can affect the average cost of your auto insurance. For example, a hit-and-run raises your premiums more than a DUI.
What Is SR-22 Insurance in Texas? Who Needs It? How Do You Get It?
While it might be called “SR-22 insurance,” an SR-22 is not an insurance plan; it’s a form your insurer files with your state on your behalf, indicating that you meet minimum liability coverage insurance requirements. Drivers with serious violations like DUIs and reckless driving are required to file an SR-22 form. Once requested, your insurance provider will file this form with the Texas Department of Motor Vehicles (DMV).
An SR-22 form confirms that you meet the minimum car insurance requirements in the state of Texas, including:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Read more with MoneyGeek's Texas car insurance resources or estimate rates with our Texas car insurance calculator.
Who Needs SR-22 Insurance in Texas? And for How Long Do They Need It?
Violations that cause an SR-22 insurance requirement can vary from state to state. In Texas, these driving violations will always require that you file an SR-22:
- Reckless driving
- Driving without insurance coverage
- Driving with a suspended or expired license
Generally, a minor violation does not automatically trigger the need for SR-22 coverage. Texas drivers looking for insurance after a ticket or accident can shop around to find lower rates but won’t have to pay the high costs associated with SR-22 insurance.
How long you need SR-22 insurance in Texas depends on the conviction, but in most cases, it is three consecutive years.
How Do You Get SR-22 Insurance in Texas?
If you need an SR-22, an insurance company must file the form with the state on your behalf. However, because needing an SR-22 classifies you as high-risk, a provider might choose not to cover you. When you find coverage, keep in mind that it will be more expensive than it would be without an SR-22.
Non-Owner SR-22 Insurance in Texas
Non-owner SR-22 insurance is the cheapest and most convenient insurance option for Texas drivers who do not have cars of their own. If you regularly rent or borrow a car, you will need to file an SR-22 form to prove that you have purchased car insurance in case you get caught committing any of the major traffic violations in the state, such as a DUI or an at-fault accident.
Non-owner car insurance is more affordable than what car owners pay for ordinary car insurance. The policy allows drivers who do not own a car to save on their car insurance premiums.
On average, the cost of non-owner car insurance in Texas is $624 per year. This rate may vary depending on the insurance provider you choose. The cheapest non-owner SR-22 insurance coverage provider in the state is State Farm, at about $359 per year. The second cheapest provider is USAA, with a cost of $375 per year on average, although it is only available to current and former military members.
The Average Cost of Non-Owner SR-22 Car Insurance in Texas
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The quotes used to determine non-owner car insurance rates in Texas are for a driver with a DUI, purchasing a policy with bodily injury liability coverage of $50,000, $100,000 in bodily injury liability per accident and a property damage liability limit of $50,000 per accident.
FAQs About SR-22 Insurance in Texas
If you’re a driver looking for SR-22 insurance in Texas, you may have questions about rates, the form filing process and available insurance providers. Find more information about these and other commonly asked questions below.
Read More About Car Insurance
MoneyGeek analyzed car insurance premiums from 11 of the top insurance companies in Texas that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Texas. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.
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