The average price for an SR-22 and liability insurance is listed above averaged for each city in Texas. The Insurance rates may vary based on driving history.
Laws pertaining to SR-22 filings in Texas
If your license has been suspended because of a major conviction, you will be required to carry an SR-22 filing for 3-5 years, depending upon the conviction. You will need to carry the State Minimum Liability limits in order to have an SR-22. The SR-22 will be reported to the State of Texas by your insurance provider.
SR-22 Insurance rates by company (full coverage) in Texas
Company
SR22 Full Coverage (average)
The General
$183.00
Safeco
N/A
Acceptance RTR
$205.00
State Farm
N/A
USAA
N/A
Dairyland
$195.00
Farmers
$198.00
Travelers
N/A
National General
$168.00
American Family
N/A
21st Century
N/A
Geico
$210.00
Allstate
N/A
AssuranceAmerica
$180.00
Mendota Ins. Company
$203.00
Nationwide
N/A
Liberty Mutual
$212.00
GAINSCO
$200.00
Progressive Insurance
$209.00
State Auto
N/A
Instead of calling each insurance company for quotes, check above for the average cost for full coverage with an SR-22 per each company. The companies with N/A listed next to them do not offer SR-22 filings.
Save yourself some time searching for insurance quotes. We have included a list of the cheapest insurance companies for each city. These companies specialize in SR-22 filings, and are able to offer the most affordable insurance rates for your SR-22.
Need an SR-22 but no vehicle?
In Texas, you can purchase a Named Operator policy or Non-Owners policy which will cover you for the minimum liability requirements per the state. You will add the SR-22 filing to that policy, which will let the state know you are carrying the required liability limits. The Non Owners policy covers you driving any personal passenger vehicle as long as you do not, or any household members own the vehicle.
Reasons you may be required to carry an SR-22 in Texas
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
A Major Violation will cost you in the long run, by reinstatement fees and SR-22 fees. Practice safe driving and avoid any violations to see the cheapest insurance rates.
Texas State Insurance Requirements
State
State Min
PIP?
Texas
30/60/25
$2,500
What all do I 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.
SR-22 Insurance rates by company (liability) in Texas
Company
SR22 Liability (average)
State Auto
N/A
Mendota Ins. Company
$101.00
GAINSCO
$124.00
Bristol West
$116.00
21st Century
N/A
The General
$91.00
American Family
N/A
Nationwide
N/A
AssuranceAmerica
$111.00
Farmers
$103.00
National General
$81.00
Allstate
N/A
Safeco
N/A
Dairyland
$60.00
Travelers
N/A
Geico
$92.00
Liberty Mutual
$116.00
Acceptance RTR
$119.00
Progressive Insurance
$113.00
USAA
N/A
This is the average cost for an SR-22 filing (usually a one time fee of $5-$25 each term) with just liability insurance. You are able to add extra coverages to your policy, such as Uninsured Motorist, Medical payments and Roadside assistance.
Company fees for SR-22 in Texas
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
How much does an SR-22 cost exactly? Its a common misconception that an SR-22 is what makes your insurance premium high. This is not correct. The average cost for an SR-22 is $0-$25 for each insurance term.
Cost for SR-22 insurance (full coverage) in Texas
City
Price
Port Arthur
$150
Round Rock
$170
Galveston
$177
Harlingen
$173
Plano
$155
San Antonio
$172
Longview
$158
Pasadena
$177
Carrollton
$175
Pearland
$174
McAllen
$173
Amarillo
$156
League City
$169
Garland
$164
Denton
$166
Irving
$150
Bedford
$155
El Paso
$148
New Braunfels
$173
Fort Worth
$152
Flower Mound
$160
College Station
$164
Dallas
$161
Cedar Hill
$156
McKinney
$169
Conroe
$146
Allen
$150
Brownsville
$181
Abilene
$182
Spring
$170
Sugar Land
$174
Frisco
$164
Corpus Christi
$170
Tyler
$161
Wichita Falls
$161
Mesquite
$156
Temple
$171
Euless
$171
Pflugerville
$146
Leander
$173
Wylie
$173
Mission
$166
Mansfield
$170
Missouri City
$164
Arlington
$180
Grand Prairie
$175
Beaumont
$174
Grapevine
$173
Edinburg
$164
Austin
$149
Richardson
$180
Odessa
$149
North Richland Hills
$179
Little Elm
$175
Midland
$163
Cedar Park
$169
Texas City
$172
Lubbock
$149
Killeen
$151
San Marcos
$148
Needing an SR-22, but also required to carry full coverage on your vehicle? You can simply add your SR-22 filing to your full coverage insurance policy, as long as your insurance provider offers Financial Responsibility Filings.
DUI and SR-22 in Texas
If you have been convicted of a DUI In Texas, you will be required to carry an SR-22. The SR-22 will let the state know that you are carrying the minimum liability requirements. The first offense will require the SR-22 for 3 years, and second offense will require 5 years.
Who has the lowest price on SR-22 by city
City
Price
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
There are several insurance companies to choose from when it comes time to get insurance. If you need an SR-22 you are considered a high-risk driver, and you may want to check multiple companies to see which has the best price for you. Some companies specialize in high-risk drivers and will be able to provide you with a cheaper rate than others.
