Cheapest SR-22 Car Insurance in Texas: 2026 Rates and Requirements

Texas SR-22 drivers pay a minimum of $88/month through State Farm, $16 more than the clean-record baseline of $72/month for the same cheapest SR-22 insurance tier. AAA is the only other provider below $200/month at $157/month, a $69 gap above State Farm. Because Texas allows credit-based pricing, drivers managing both a violation and a poor credit score will pay more than the rates shown here.

State Farm's $88/month is the entry point for Texas drivers reinstating a suspended license on minimum coverage. Its full coverage rate of $195/month also leads the comparison, worth checking if your lender requires comprehensive and collision at full coverage car insurance in Texas. Drivers dealing with both a violation surcharge and a credit hit can find more options at car insurance for drivers with bad credit.

The $52 monthly spread between Texas's cheapest and most expensive SR-22 violation categories reflects how differently insurers price risk by violation type. Multiple speeding tickets sit at the low end at $81/month through State Farm, while hit-and-run carries the highest rate at $133/month. You can find DUI car insurance if you have a conviction and you can find out how to get car insurance after a DUI.

Texas SR-22 rates drop outside the major metro areas. San Angelo is the cheapest city in this analysis at $99/month for minimum coverage. On full coverage, the gap between San Angelo ($162/month) and Garland ($258/month) runs $96/month. State Farm is the cheapest provider in every Texas city included in this analysis. Drivers who complete their SR-22 period can compare standard market rates through the cheapest car insurance in Texas once the requirement is lifted.

Two providers lead Texas's SR-22 market for different reasons. State Farm has the lowest rates in Texas at $88 a month for minimum coverage and $195 for full coverage, both the lowest in this comparison. AAA scores higher on coverage at 4.3 out of 5 and is the better choice for drivers who expect to file a claim or want add-on options during the two-year period. See how they rank among the best car insurance companies overall.

A DUI nearly doubles the minimum coverage rate for Texas drivers, from $72/month with a clean record to $152/month with an SR-22 filing, a 111% increase. Lower-tier violations add less: an at-fault accident in the $1,000 to $1,999 range adds $46/month, and texting while driving adds $37/month. Drivers can estimate costs by violation type using the average cost of car insurance in Texas or the car insurance calculator Texas.

An SR-22 is a certificate of financial responsibility, not an insurance policy, that your insurer files with the Texas DPS to confirm you carry at least the state minimum liability coverage. Texas requires it for two years from the date of the conviction or civil judgment that triggered the requirement. Texas does not use FR-44.

A coverage lapse at any point re-suspends your license immediately with no grace period. You'll owe a new $100 reinstatement fee to the Texas DPS before driving again. Review high-risk car insurance in Texas to compare providers before choosing a policy.

Cost-focused SR-22 drivers in Texas should go with State Farm at $88 a month for minimum coverage and $195 for full coverage, the lowest on both tiers. Drivers expecting to file a claim during the two-year period will find AAA's broader coverage options worth the higher rate.

Confirm with your insurer before the two-year window closes that the certificate is set to be released. Texas DPS won't send a reminder. Once it's lifted, check standard market rates through cheapest car insurance in Texas.