By Veronica Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
- SR22 Insurance Texas Online Quote: Start now, or Text Us if you can't call!
- SR22 Insurance Texas: What Texas Laws do I need to Know?
- SR22 Insurance Texas and PIP
- How do I know if I need an SR22 in Texas?
- Average Cost for SR22 Insurance Texas (liability only)
- What if I don't have a car and need an SR22 in Texas?
- Can I Get Full Coverage with an SR-22?(Avg. SR22 Insurance Texas FULL COVERAGE rates by company)
- Sr22 Insurance Requirements: Always Remember the Required State Liability Limits
- Which Insurance Company has the lowest price on SR-22 in Texas?
- SR22 Insurance in Texas Can I switch insurance while holding an SR22?
- SR22 Insurance in Texas Can I switch insurance while holding an SR22?
- Company fees for SR-22 Insurance In Texas
- Reasons you may be required to carry SR-22 Insurance Texas
- What We Do at A Plus Insurance
- How to Get a Free Quote for SR22 Insurance in Texas
- Frequently Asked Questions about SR22 Insurance in Texas
- Q1: What is SR22 Insurance in Texas?
- Q2: How can I get SR22 Insurance?
- Q3: How long do I need to have SR22 Insurance in Texas?
- Q4: What is the meaning of SR-22?
- Q5: Where to send SR22 in Texas?
- Q6: How long is SR-22 required in Texas?
- Q7: What is an SR1P filing?
SR22 Insurance Texas: What Texas Laws do I need to Know?
Anytime you are not clear what comes next after being ordered to carry SR22 Insurance Texas, just call up your local DMV. They will tell you everything you need to do in order to be legal on the road.
Besides that, it is essential that you purchase at the very least, the state Minimum Liability limits.
In Texas, you are required to carry at least the following amounts of liability insurance:
- $30,000 per Person for bodily injury
- $60,000 per accident for bodily injury
- $25,000 for property damage
The state of Texas requires you to have at least $2500 coverage for personal injury protection, which covers medical expenses and lost wages, regardless of who is at fault.
Texas does not require you to add medical payments or uninsured/underinsured motorist coverage to your liability coverage, but you do have to sign a rejection form excluding them from your policy.
What Is An SR-22 in Texas? As mentioned above, if your license got suspended, and you need to reinstate it, the DMV has likely requested that you obtain something called an “SR-22.” This is not a type of insurance, but rather, an attachment that must be attached to an active insurance policy. It notifies the state of Texas that you an insurance policy that meets the state minimum requirements. An SR22 filing also notifies the state that if the policy becomes inactive for any reason. If Texas receives a notification that the insurance policy is inactive, they can revoke your license…again.
SR22 Insurance Texas and PIP
In Texas, SR-22 insurance refers to a form of financial responsibility certification required for certain drivers who have been deemed high-risk due to factors like driving under the influence (DUI/DWI) convictions, driving without insurance, or other serious traffic violations. PIP (Personal Injury Protection) is a separate type of auto insurance coverage that provides medical expenses and, in some cases, lost wages coverage for you and your passengers after an accident, regardless of fault.
While PIP coverage is not directly related to SR-22 insurance, Texas law does mandate certain minimum liability insurance requirements for drivers, which may include PIP coverage. However, PIP is not typically associated with SR-22 filings.
If you’re required to file an SR-22 in Texas, it’s essential to obtain an insurance policy that meets the state’s minimum liability requirements and includes the SR-22 filing. The SR-22 form itself serves as proof to the Texas Department of Public Safety (DPS) that you have the required liability insurance coverage. PIP coverage is not typically part of the SR-22 filing process.
To obtain SR-22 insurance in Texas, you’ll need to:
- Contact an Insurance Provider: Reach out to insurance companies licensed to provide coverage in Texas and inquire about their ability to issue SR-22 policies.
- Purchase an SR-22 Policy: Obtain an insurance policy that meets the state’s minimum liability requirements and includes the SR-22 filing. Your insurance provider will file the SR-22 form with the Texas DPS on your behalf.
- Pay the Required Fees: There are fees associated with obtaining an SR-22, including filing fees and any additional premiums charged by your insurance company for the SR-22 policy.
- Maintain Continuous Coverage: It’s crucial to maintain continuous coverage with your SR-22 insurance policy for the duration required by the Texas DPS. Any lapse in coverage could result in further penalties, including suspension of your driver’s license.
- Follow State Requirements: Comply with any additional requirements or restrictions imposed by the Texas DPS as part of your SR-22 filing, such as maintaining a clean driving record or completing a defensive driving course.
How do I know if I need an SR22 in Texas?
The best place to find out if an SR22 filing requirement is needed for your license, is directly through the Department of Motor Vehicles, or your local DMV ins the state of Texas.
Average Cost for SR22 Insurance Texas (liability only)
The first thing people want to know when ordered to file for an SR22, is how much does it cost?
And what are some average SR-22 Insurance Texas rates?
Don’t panic, because it might not be as much as your imagination is leading you to believe. And if you are only purchasing liability at the state minimum limits, you are getting the cheapest rates possible.
City in Texas (See how costs vary from city to city) | Average Monthly Texas SR22 Insurance With Liability Only |
---|---|
Texas City | $90.00 |
Mesquite | $107.00 |
Houston | $103.00 |
Lewisville | $104.00 |
Wylie | $106.00 |
Amarillo | $109.00 |
Rowlett | $96.00 |
North Richland Hills | $97.00 |
Pharr | $90.00 |
Abilene | $100.00 |
Longview | $96.00 |
The Woodlands | $91.00 |
Richardson | $98.00 |
College Station | $94.00 |
Harlingen | $87.00 |
San Marcos | $88.00 |
Wichita Falls | $102.00 |
Round Rock | $106.00 |
Cedar Hill | $89.00 |
Victoria | $99.00 |
Edinburg | $103.00 |
Leander | $96.00 |
Plano | $103.00 |
Corpus Christi | $102.00 |
Bryan | $106.00 |
Brownsville | $106.00 |
Temple | $90.00 |
Little Elm | $98.00 |
Garland | $98.00 |
Missouri City | $99.00 |
Irving | $105.00 |
Sugar Land | $94.00 |
San Angelo | $105.00 |
League City | $97.00 |
Austin | $99.00 |
Georgetown | $87.00 |
Odessa | $88.00 |
Atascocita | $98.00 |
Grapevine | $87.00 |
Carrollton | $97.00 |
Cedar Park | $86.00 |
Fort Worth | $92.00 |
Spring | $95.00 |
Galveston | $92.00 |
Laredo | $107.00 |
Flower Mound | $88.00 |
McKinney | $96.00 |
Port Arthur | $96.00 |
Midland | $98.00 |
Pasadena | $109.00 |
San Antonio | $100.00 |
Dallas | $106.00 |
Pflugerville | $100.00 |
New Braunfels | $93.00 |
What if I don’t have a car and need an SR22 in Texas?
There are circumstances where an individual wants and needs to reinstate their driver’s license but they do not currently have a vehicle.
In this circumstance, the individual can purchase a policy that is called a named non-owners policy.
As long as the policy meets the minimum liability requirements, an SR22 filing attachment can be added to the policy to help meet the reinstatement guidelines.
The Named non-owners policy does have coverage restrictions. Since the insurance policy is written on the individual, and not on a specified vehicle, only liability limits can be selected: no comprehensive or collision coverage. Coverage is also restricted to covering the named insured only – it is not transferable to any other driver.
Additionally, this policy will not cover the driver if they are operating a vehicle in which the insured owns, or is owned by a member of the household in which they live. Though there are restrictions on when the policy is active, an SR22 filing option is available for those insurance companies who offer these kinds of insurance policies in Texas.
Can I Get Full Coverage with an SR-22?(Avg. SR22 Insurance Texas FULL COVERAGE rates by company)
Should a person who has to get an SR22 Insurance Texas even consider getting full coverage?
Yes!
An SR22 filing may not affect your insurance rates as much as you think.
Indeed, if you were convicted of a DUI, or you were caught driving without insurance, those violations will very much affect your rates. But it doesn’t mean you aren’t allowed to drive with full coverage insurance.
Check out some sample full coverage SR22 rates in Texas based on the different insurance companies, and notice how they compare to liability only rates.
Insurance Company | SR22 Liability Only (monthly average) | SR22 Full Coverage (average) |
---|---|---|
The General | $91.00 | $183.00 |
Safeco | N/A | N/A |
Acceptance RTR | $119.00 | $205.00 |
State Farm | N/A | N/A |
USAA | N/A | N/A |
Dairyland | $60.00 | $195.00 |
Farmers | $103.00 | $198.00 |
Travelers | N/A | N/A |
National General | $81.00 | $168.00 |
American Family | N/A | N/A |
21st Century | N/A | N/A |
Geico | $92.00 | $210.00 |
Allstate | N/A | N/A |
Assurance America | $111.00 | $180.00 |
Mendota Ins. Company | $101.00 | $203.00 |
Nationwide | N/A | N/A |
Liberty Mutual | $116.00 | $212.00 |
GAINSCO | $124.00 | $200.00 |
Progressive Insurance | $112.00 | $209.00 |
State Auto | N/A | N/A |
Sr22 Insurance Requirements: Always Remember the Required State Liability Limits
In case you forgot what you need for an SR-22… You simply need to carry at least the minimum liability limits by Texas law, listed above. This will make you legal to be on the road, and comply with your SR-22 filing.
State | State Min | PIP? |
Texas | 30/60/25 | $2,500 (rejection form required if opting out) |
Which Insurance Company has the lowest price on SR-22 in Texas?
If you noticed, not every auto insurance company in Texas offers the option of filing an SR-22.
And while shopping, you might notice that another insurance company has better rates than the one you are with.
Therefore, many people wonder:
SR22 Insurance in Texas Can I switch insurance while holding an SR22?
Absolutely!
Just because the state of Texas says you need to carry your SR22 for the next three years, it does not mean you have to stay with the same insurance policy for the next three years.
What it does mean is that, if you do switch your insurance policies from one carrier to another two guidelines must be met:
- First, make sure there is no gap in coverage between policies – when one auto insurance policy ends, the other policy must be active so there is no gap in time.
- Second, the new insurance policy must also have the SR22 filing notification in place.
This will allow the new insurance company to send off notification to Texas to let the DMV know you have an active insurance policy, because the old policy will also send over its notification letting know that the old policy is not longer active.
So which companies are the best? It really depends on many rating factors, but we tried to narrow down the best SR22 Insurance Texas companies based on each city.
It is still best practice to contact your agent to verify rates based on your personal information and driving history.
City in Texas | Best SR22 Insurance Company |
---|---|
Mission | Progressive |
San Antonio | Bristol West |
Arlington | Geico |
Victoria | Geico |
Mansfield | Geico |
Bryan | Progressive |
Missouri City | Dairyland* |
Laredo | The General |
Mesquite | The General |
Killeen | Dairyland* |
Lewisville | Geico |
Dallas | Progressive |
Richardson | Progressive |
Denton | Progressive |
Galveston | The General |
Midland | Progressive |
San Marcos | The General |
El Paso | Progressive |
Keller | Progressive |
New Braunfels | Progressive |
San Angelo | Progressive |
Grapevine | The General |
Cedar Hill | Progressive |
Bedford | Dairyland* |
Edinburg | Progressive |
Irving | Progressive |
Grand Prairie | The General |
Harlingen | Bristol West |
Lubbock | The General |
Flower Mound | Geico |
North Richland Hills | Liberty Mutual |
Spring | Liberty Mutual |
McKinney | Progressive |
Odessa | The General |
Pasadena | The General |
Carrollton | Liberty Mutual |
Longview | Geico |
DeSoto | Progressive |
Garland | Farmers |
Fort Worth | Farmers |
Texas City | Progressive |
Austin | The General |
Amarillo | Geico |
Plano | The General |
League City | Geico |
Conroe | Liberty Mutual |
Leander | Progressive |
Abilene | The General |
Pearland | Progressive |
Houston | Progressive |
Beaumont | Farmers |
Pharr | The General |
Allen | The General |
Round Rock | Progressive |
Georgetown | The General |
Wichita Falls | Geico |
Sugar Land | Farmers |
The Woodlands | Liberty Mutual |
Atascocita | Geico |
Rowlett | Progressive |
Wylie | Progressive |
Little Elm | National General |
Tyler | Liberty Mutual |
Waco | Progressive |
Brownsville | Farmers |
College Station | Farmers |
Corpus Christi | Liberty Mutual |
Port Arthur | The General |
McAllen | The General |
If you noticed, not every auto insurance company in Texas offers the option of filing an SR-22.
And while shopping, you might notice that another insurance company has better rates than the one you are with.
Therefore, many people wonder:
SR22 Insurance in Texas Can I switch insurance while holding an SR22?
Absolutely!
Just because the state of Texas says you need to carry your SR22 for the next three years, it does not mean you have to stay with the same insurance policy for the next three years.
What it does mean is that, if you do switch your insurance policies from one carrier to another two guidelines must be met:
- First, make sure there is no gap in coverage between policies – when one auto insurance policy ends, the other policy must be active so there is no gap in time.
- Second, the new insurance policy must also have the SR22 filing notification in place.
This will allow the new insurance company to send off notification to Texas to let the DMV know you have an active insurance policy, because the old policy will also send over its notification letting know that the old policy is not longer active.
So which companies are the best? It really depends on many rating factors, but we tried to narrow down the best SR22 Insurance Texas companies based on each city.
It is still best practice to contact your agent to verify rates based on your personal information and driving history.
City in Texas | Best SR22 Insurance Company |
---|---|
Mission | Progressive |
San Antonio | Bristol West |
Arlington | Geico |
Victoria | Geico |
Mansfield | Geico |
Bryan | Progressive |
Missouri City | Dairyland* |
Laredo | The General |
Mesquite | The General |
Killeen | Dairyland* |
Lewisville | Geico |
Dallas | Progressive |
Richardson | Progressive |
Denton | Progressive |
Galveston | The General |
Midland | Progressive |
San Marcos | The General |
El Paso | Progressive |
Keller | Progressive |
New Braunfels | Progressive |
San Angelo | Progressive |
Grapevine | The General |
Cedar Hill | Progressive |
Bedford | Dairyland* |
Edinburg | Progressive |
Irving | Progressive |
Grand Prairie | The General |
Harlingen | Bristol West |
Lubbock | The General |
Flower Mound | Geico |
North Richland Hills | Liberty Mutual |
Spring | Liberty Mutual |
McKinney | Progressive |
Odessa | The General |
Pasadena | The General |
Carrollton | Liberty Mutual |
Longview | Geico |
DeSoto | Progressive |
Garland | Farmers |
Fort Worth | Farmers |
Texas City | Progressive |
Austin | The General |
Amarillo | Geico |
Plano | The General |
League City | Geico |
Conroe | Liberty Mutual |
Leander | Progressive |
Abilene | The General |
Pearland | Progressive |
Houston | Progressive |
Beaumont | Farmers |
Pharr | The General |
Allen | The General |
Round Rock | Progressive |
Georgetown | The General |
Wichita Falls | Geico |
Sugar Land | Farmers |
The Woodlands | Liberty Mutual |
Atascocita | Geico |
Rowlett | Progressive |
Wylie | Progressive |
Little Elm | National General |
Tyler | Liberty Mutual |
Waco | Progressive |
Brownsville | Farmers |
College Station | Farmers |
Corpus Christi | Liberty Mutual |
Port Arthur | The General |
McAllen | The General |
Company fees for SR-22 Insurance In Texas
The cost for an SR22 fee in the state of Texas will vary between insurance carriers.
Some insurance carriers will charge a flat fee of anywhere between $15 to $50 per policy term.
Other insurance carriers will do a surcharge on the policy which can have a varying degree of financial impact on your insurance costs.
Insurance Company | SR22 Filing Fee |
---|---|
The General | $25.00 |
Farmers | $15-$68 |
Geico | $25.00 |
State Farm | Unknown |
21st Century | na |
Progressive Insurance | $25.00 |
GAINSCO | $25.00 |
State Auto | na |
Allstate | Unknown |
National General | $25.00 |
AssuranceAmerica | $25.00 |
USAA | na |
Travelers | na |
Nationwide | na |
Acceptance RTR | NA |
Dairyland | Free |
Safeco | na |
Mendota Ins. Company | NA |
Bristol West | NA |
Reasons you may be required to carry SR-22 Insurance Texas
Why Do I Need an SR22? |
---|
Driving while Suspended/revocation |
Excessive points violations |
At Fault accident with no insurance |
Suspension of license due to child support |
DWI (Driving while intoxicated) |
Failure to maintain mandatory insurance coverage required by state law |
License suspension for failure to pay fines |
Too many tickets in short period of time |
Multiple Traffic Offenses |
What We Do at A Plus Insurance
An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.
How to Get a Free Quote for SR22 Insurance in Texas
01.
Contact Us
Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.
02.
Details
Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have
03.
Quote
We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.
04.
Decision
Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.
Frequently Asked Questions about SR22 Insurance in Texas
Q1: What is SR22 Insurance in Texas?
SR22 Insurance in Texas is a certificate of financial responsibility that proves you have the state-required minimum auto insurance coverage after certain driving-related incidents.
Q2: How can I get SR22 Insurance?
To get SR22 Insurance, you can visit our website or call us at 1.888.445.2793 to speak with one of our representatives.
Q3: How long do I need to have SR22 Insurance in Texas?
The duration for SR22 Insurance in Texas varies, but it’s typically required for 2 to 3 years. The specific duration depends on your violation and the court’s decision.
Q4: What is the meaning of SR-22?
An SR22 is simply an attachment to an insurance policy that notifies your state of the current insurance policy status – whether active or inactive. The insurance policy must meet the minimum liability requirements set by the Department of Motor Vehicles.
Q5: Where to send SR22 in Texas?
The notification must be sent to the Department of Motor Vehicles driver’s license division. Your insurance carrier will send an electronic notification to the DMV regarding the current insurance status for the individual with the SR22 filing, however, it is also recommended that you send in a copy of the SR22 filing with your reinstatement paperwork and reinstatement fee. It is perfectly fine for the DMV to receive multiple copies of the SR22 filing.
Q6: How long is SR-22 required in Texas?
The SR22 filing requirement in Texas will vary from person to person depending upon the circumstances in which the license was suspended, but a typical time frame we have seen is usually 3 consecutive years. We have seen filing requirements as short as 6 months, but also as long as 7 years. Because the duration of the requirement will vary, we advise our insureds to talk with the DMV during their reinstatement process to find out their specific time requirement. The Department of Motor Vehicles for the State of Texas is the only place you will find out your up to date information on the current requirement status of your driver’s license.
Q7: What is an SR1P filing?
An SR1P filing is similar to an SR22 filing but the key difference is that it applies to vehicles that have less than 4 wheels: motorcycles, mopeds, etc. Though some states have this particular form, most states, such as Texas use the more common approach of an SR22 filing instead.
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Last Updated on by Veronica Moss