- Essential Texas SR22 Insurance Laws: What You Need to Know
- Affordable SR22 Insurance in Texas with PIP Coverage Options: Everything You Need to Know
- How do I know if I need an SR22 in Texas?
- Is SR-22 Insurance Required After a DUI in Texas? What You Need to Know
- Duration of a DUI on Your Insurance Record in Texas
- Average Cost for Liability-Only SR22 Insurance in Texas
- How to Get SR22 Insurance in Texas Without Owning a Car (Non Owners Insurance)
- Can I Get Full Coverage with SR-22 Insurance in Texas? (Average Full Coverage SR-22 Insurance Rates)
- Texas SR-22 Insurance Requirements: What You Need to Know
- Which Insurance Company Offers the Cheapest SR-22 Insurance in Texas?
- Can I Switch Insurance While Holding SR22 Insurance in Texas?
- SR-22 Insurance Fees from Top Companies in Texas
- Common Reasons You Might Need SR-22 Insurance in Texas
- Criteria and Tips for Determining Eligibility for Home and Auto Insurance Discounts
- What We Do at A Plus Insurance
- 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?
Essential Texas SR22 Insurance Laws: What You Need to Know
Understanding the key laws related to SR22 insurance in Texas is crucial for compliance and maintaining your driving privileges. Here are the essential laws you need to be aware of:
Minimum Liability Coverage Requirements:
- Bodily Injury (per person): $30,000
- Bodily Injury (per accident): $60,000
- Property Damage: $25,000
Mandatory Filing:
- SR-22 Form: Must be filed by your insurance company with the Texas Department of Public Safety.
Duration of SR-22 Requirement:
- Minimum Duration: Must be maintained for a minimum of two years from the date of conviction.
Reasons for SR-22 Filing:
- DUI or DWI convictions
- Driving without insurance
- Repeat traffic offenses or serious violations
Penalties for Non-Compliance:
- Suspension: Failure to maintain SR-22 can result in suspension of driving privileges.
- Fines: Additional fines and potential legal consequences.
Non-Owner SR-22 Policies:
- Available for drivers without a vehicle but still require SR-22 coverage.
Ensure you comply with these laws to avoid further penalties and maintain your driving privileges in Texas. Need Help Finding the Best SR-22 Insurance in Texas? Call 1.888.445.2793 Now for a Free Quote and Quick Service!
Note: Texas does not require you to add medical payments or uninsured/underinsured motorist coverage to your liability coverage, but you must 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.
Affordable SR22 Insurance in Texas with PIP Coverage Options: Everything You Need to Know
In Texas, SR22 insurance is required for high-risk drivers, such as those with DUI/DWI convictions or driving without insurance violations. Finding affordable SR22 insurance Texas with PIP (Personal Injury Protection) coverage is crucial for comprehensive protection. PIP insurance covers medical expenses and sometimes lost wages for you and your passengers after an accident, regardless of fault. Combining SR22 insurance Texas with PIP ensures you meet state requirements and have necessary medical and financial coverage.
While PIP coverage is not directly related to SR-22 insurance, Texas law mandates certain minimum liability insurance requirements for drivers, which may include PIP coverage. However, PIP is not typically associated with SR-22 filings.
Steps to Obtain SR-22 Insurance in Texas:
- 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 Department of Public Safety (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.
For more information and assistance, feel free to call us at 1.888.445.2793. Ensure you comply with these laws to avoid further penalties and maintain your driving privileges in Texas.
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.
Is SR-22 Insurance Required After a DUI in Texas? What You Need to Know
Yes, if you’ve been convicted of a DUI in Texas, you are required to file for SR-22 insurance to reinstate your driving privileges. The SR-22 form verifies that you have the necessary liability coverage: $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage. Your insurance company must file this form with the Texas Department of Public Safety, and you must maintain SR-22 insurance for at least two years to stay compliant with state laws.
Duration of a DUI on Your Insurance Record in Texas
A DUI usually remains on your insurance record in Texas for three to five years. The exact duration can vary by insurance company, but most consider a DUI a major violation. This results in higher premiums and the need for SR22 insurance Texas to reinstate your driving privileges. During this period, you can expect significantly increased insurance rates due to the higher risk associated with a DUI conviction.
Understanding the impact of a DUI on your insurance rates is crucial. Below is a comparison of estimated rate increases for SR-22 insurance in Texas from several insurance providers. These rates reflect the potential increase you might face with a DUI on your record.
Estimated Rate Increases for SR-22 Insurance in Texas After a DUI
| Insurance Company | Pre-DUI Monthly Rate | Post-DUI Monthly Rate |
|---|---|---|
| Progressive | $80 | $150 |
| Dairyland | $75 | $140 |
| Travelers | $85 | $160 |
| Gainsco | $90 | $170 |
| Assurance | $82 | $155 |
| National General | $88 | $165 |
| Bristol West | $78 | $145 |
| Mendota | $77 | $142 |
| The General | $79 | $148 |
| Suncoast | $83 | $153 |
Key Points to Remember:
- A DUI stays on your insurance record in Texas for three to five years.
- Expect higher insurance rates during this period.
- Compare rates from multiple insurance companies to find the best deal.
- SR-22 insurance in Texas is necessary if you have a DUI.
For personalized assistance and to get the best quotes, feel free to call us at 1.888.445.2793.
Average Cost for Liability-Only SR22 Insurance in Texas
The average cost for liability-only SR22 insurance in Texas typically ranges from $75 to $150 per month, depending on various factors such as your driving history, age, and the insurance provider. SR22 insurance is required for high-risk drivers, often after serious violations like DUIs. To find the best rates, it’s essential to compare quotes from multiple insurance companies.
Providers like Progressive, Dairyland, and National General offer competitive rates for SR22 insurance. Ensure you meet Texas’s minimum liability coverage requirements of $30,000 per person, $60,000 per accident, and $25,000 for property damage to maintain compliance and avoid additional penalties.
| 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 |
How to Get SR22 Insurance in Texas Without Owning a Car (Non Owners Insurance)
If you need SR22 insurance in Texas but don’t own a car, you can still reinstate your driver’s license by purchasing a named non-owners policy. This type of policy meets the state’s minimum liability requirements and allows you to file an SR22 attachment to comply with reinstatement guidelines. Non-owner policies are ideal for those who need liability coverage without insuring a specific vehicle, offering a practical solution for drivers in unique situations.
Named non-owner policies come with certain restrictions. They only provide liability coverage, not comprehensive or collision, and are limited to the named insured, meaning they don’t cover other drivers. Additionally, these policies do not apply if you are driving a vehicle you own or a vehicle owned by someone in your household. Despite these limitations, non-owner policies with SR22 filings are available through various insurance companies in Texas.
Estimated Rates for Non-Owner SR22 Insurance in Texas
| Insurance Company | Monthly Rate Estimate | Annual Rate Estimate |
|---|---|---|
| Progressive | $50 | $600 |
| Dairyland | $45 | $540 |
| Travelers | $55 | $660 |
Key Points to Remember:
- Named non-owner policies meet minimum liability requirements.
- Only provide liability coverage, not comprehensive or collision.
- Limited to the named insured and not transferable.
- SR22 insurance in Texas can be obtained without owning a car.
For more information and personalized assistance, call us at 1.888.445.2793.
Can I Get Full Coverage with SR-22 Insurance in Texas? (Average Full Coverage SR-22 Insurance Rates)
Yes, you can get full coverage with SR22 insurance in Texas. Despite needing an SR22 filing, you are still eligible for comprehensive and collision coverage. While major violations like DUIs or driving without insurance will impact your rates, an SR22 form alone doesn’t prevent you from obtaining full coverage. It’s important to compare quotes from multiple insurance companies to find the best deal that fits your needs and budget.
Here are some sample rates for full coverage SR22 insurance in Texas from various providers. Notice how they compare to liability-only rates and make an informed decision about your coverage options.
Estimated Full Coverage SR-22 Insurance Rates in Texas
| Insurance Company | Monthly Rate Estimate | Annual Rate Estimate |
|---|---|---|
| Progressive | $120 | $1,440 |
| Dairyland | $115 | $1,380 |
| Travelers | $130 | $1,560 |
Key Points to Remember:
- Full coverage is available with SR22 insurance in Texas.
- Compare rates from multiple providers to find the best deal.
- Full coverage includes liability, comprehensive, and collision.
- An SR22 filing does not restrict you from obtaining full coverage.
Texas SR-22 Insurance Requirements: What You Need to Know
The requirements for SR-22 insurance in Texas include providing proof of minimum liability coverage: $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage. Typically, SR-22 is required after major traffic violations, such as a DUI or driving without insurance. Your insurance company must file the SR-22 form with the Texas Department of Public Safety. You are required to maintain this insurance for at least two years from the date of your conviction to comply with state regulations.
To get your SR-22 insurance set up, you’ll need to reach out to an insurance provider that offers this service. Not all companies handle SR-22 filings, so it’s essential to choose one that does. The cost of SR-22 insurance can vary based on factors like your driving history and the insurance provider. To find the best rates, compare quotes from multiple companies. For personalized assistance, call us at 1.888.445.2793.
Texas State Minimum Requirements for SR-22 Insurance
| Coverage Type | Minimum Coverage Amount |
|---|---|
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $25,000 |
Key Points to Remember:
- SR-22 insurance in Texas is required for serious traffic violations.
- Must be maintained for at least two years.
- Not all insurance companies offer SR-22 filings.
- Compare rates to find the best deal.
Make sure you understand the specific requirements and maintain your SR-22 insurance to avoid further penalties and keep your driving privileges intact.
Which Insurance Company Offers the Cheapest SR-22 Insurance in Texas?
The insurance company that offers the cheapest SR-22 insurance in Texas varies, but companies like Dairyland and Progressive often provide competitive rates. When searching for the most affordable SR-22 insurance, it’s crucial to compare quotes from multiple providers to find the best deal for your specific situation. Factors such as your driving history, age, and location will impact your rates. To help you make an informed decision, we’ve compiled a comparison of estimated SR-22 insurance rates from several top providers in Texas.
Estimated SR-22 Insurance Rates in Texas
| Insurance Company | Monthly Rate Estimate | Annual Rate Estimate |
|---|---|---|
| Dairyland | $75 | $900 |
| Progressive | $80 | $960 |
| Travelers | $85 | $1,020 |
Key Points to Remember:
- Compare quotes from multiple insurance companies.
- Rates vary based on driving history, age, and location.
- Dairyland and Progressive often offer competitive rates.
Can I Switch Insurance While Holding SR22 Insurance in Texas?
Yes, you can switch insurance while holding SR22 insurance in Texas. When you change insurance providers, your new insurer must file the SR22 form on your behalf to ensure continuous coverage and compliance with Texas state requirements. It’s important to compare quotes from multiple companies to find the best rates and coverage options. Popular providers like Progressive, Dairyland, and Travelers offer competitive rates for SR22 insurance. Be sure to inform your new insurer about your SR22 requirement to avoid any lapses in coverage.
Key Points to Remember:
- You can switch insurance providers while holding SR22 insurance.
- Your new insurer must file the SR22 form to maintain compliance.
- Compare quotes from multiple companies for the best rates.
- Inform your new insurer about your SR22 requirement.
| 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 |
SR-22 Insurance Fees from Top Companies in Texas
The fees for SR-22 insurance from top companies in Texas can vary, but typically range from $15 to $50 for the SR-22 filing fee itself. Additionally, the overall cost of your insurance premium will increase due to the SR-22 requirement. Companies like Progressive, Dairyland, and Travelers offer competitive rates, but it’s important to compare quotes to find the best deal. Factors such as your driving history, age, and location will also impact the total cost of your SR-22 insurance.
| 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 |
Key Points to Remember:
- SR-22 filing fees typically range from $15 to $50.
- The overall insurance premium will increase with an SR-22 requirement.
- Compare quotes from multiple companies for the best rates.
- Factors like driving history, age, and location affect total costs.
Common Reasons You Might Need SR-22 Insurance in Texas
Common reasons you might need SR-22 insurance in Texas include serious traffic violations such as DUIs, driving without insurance, multiple at-fault accidents, and repeated traffic offenses. Texas requires SR-22 insurance to prove that high-risk drivers carry the minimum liability coverage necessary for financial responsibility.
If you’ve had your license suspended or revoked, obtaining SR-22 insurance is typically a mandatory step to reinstate your driving privileges. It’s crucial to understand these requirements and maintain your SR-22 insurance to avoid further penalties and ensure compliance with state laws.
| 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 |
Criteria and Tips for Determining Eligibility for Home and Auto Insurance Discounts
- Multi-Policy Discounts: One of the most common ways to unlock savings is by bundling your home and auto insurance under the same provider. This multi-policy discount can reduce your overall premiums. Text Us to check if you’re eligible for a multi-policy discount.
- Good Driver Discount: Maintaining a clean driving record with no accidents or traffic violations can help you qualify for a good driver discount on your auto insurance policy. Call us at 1.888.445.2793 to learn more about safe driver incentives.
- Good Credit Score Discount: Many insurance companies offer discounts to policyholders with good credit, as it indicates responsible financial behavior. A higher credit score can lower your home and auto insurance premiums. Text Us to check how your credit affects your eligibility.
- Claims-Free Discount: If you have gone several years without filing an insurance claim, you may be eligible for a claims-free discount. This rewards responsible homeowners and drivers with lower rates. Call us at 1.888.445.2793 to find out how your claims history impacts your rates.
- Home Safety Upgrades: Installing safety features like a security system, smoke detectors, or fire alarms can lower your home insurance premiums. Text Us for tips on home safety discounts.
- Low Mileage Discount: If you drive fewer miles than the average driver, you could qualify for a low mileage discount. Insurers often reward those who are less likely to be involved in an accident. Call us at 1.888.445.2793 to find out if you qualify for this discount.
- Senior Citizen Discount: Many insurance providers offer exclusive discounts to senior citizens, typically starting at age 55 or 65. If you’re over 55, you may be eligible for these reduced rates on home and auto insurance. Text Us to check if you qualify.
- Multi-Vehicle Discount: If you have more than one vehicle, insuring them under the same policy can lead to substantial savings through a multi-vehicle discount. Call us at 1.888.445.2793 to explore this option and lower your auto insurance premiums.
- Loyalty Discounts: Staying with the same insurance provider for several years can make you eligible for loyalty discounts, rewarding long-term customers with reduced premiums. Text Us to learn more about loyalty incentives.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
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 Brian Muse