Cheapest SR-22 Car Insurance in Texas (2024)

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Updated: May 20, 2024

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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.

MoneyGeek Logo IconCheapest SR-22 InsuranceTexas

Why Trust MoneyGeek? Our team obtained data from the Texas Department of Labor and Regulation’s Division of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

328,384Quotes Analyzed
14Companies Compared

Cheapest Companies for SR-22 Car Insurance in Texas

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

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
MercuryAnnual Premium$543Monthly Premium$45
ProgressiveAnnual Premium$604Monthly Premium$50
State FarmAnnual Premium$621Monthly Premium$52
AllstateAnnual Premium$702Monthly Premium$58
Texas Farm BureauAnnual Premium$779Monthly Premium$65
ForemostAnnual Premium$785Monthly Premium$65
National GeneralAnnual Premium$900Monthly Premium$75
AAA TexasAnnual Premium$910Monthly Premium$76
GEICOAnnual Premium$964Monthly Premium$80
DairylandAnnual Premium$1,017Monthly Premium$85
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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:

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.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
State FarmAnnual Premium$429Monthly Premium$36
GEICOAnnual Premium$899Monthly Premium$75
NationwideAnnual Premium$925Monthly Premium$77
ForemostAnnual Premium$1,566Monthly Premium$130
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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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
DUIAnnual Premium$855Monthly Premium$71
TicketAnnual Premium$670Monthly Premium$56
CleanAnnual Premium$551Monthly Premium$46
At-Fault AccidentAnnual Premium$943Monthly Premium$79
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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

After a DUI

Annual Premium for Minimum Coverage

Car 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:

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.

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.

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.

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.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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.

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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.

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    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.

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    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.

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    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.

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    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.

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    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.

What are the cheapest SR-22 car insurance options in Texas?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Texas?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.