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Have You had your driver’s license revoked or suspended? Don’t panic. We can help you find the cheapest Texas SR22 insurance in just minutes.
By Veronica Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
- SR22 Insurance Texas: What Texas Laws do I need to Know?
- Average Cost for SR22 Insurance Texas (liability only)
- Can I Get Full Coverage with an SR-22?(Avg. SR22 Insurance Texas FULL COVERAGE rates by company)
- Which Insurance Company has the lowest price on SR-22 in Texas?
- Company fees for SR-22 Insurance In Texas
- Reasons you may be required to carry an SR-22 in Texas
- Most Frequently Asked Questions: SR22 Insurance Texas
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: What Texas Laws do I need to Know?
Anytime you are not clear what comes next after being ordered to carry an SR22, 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.
| State Minimum | PIP* Required? |
|---|---|
| 30/60/25 | $2,500 |
How do I know if I need an SR22? 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 how much does an SR-22 cost in Texas?
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? 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 in 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 |
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 |
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:
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 |
Free SR22 Resource: Send to anyone you Know Who Might have concerns about their SR22 needs
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 an SR-22 in 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 |
Most Frequently Asked Questions: SR22 Insurance Texas
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Last Updated on by Veronica Moss