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SR22 Insurance Texas: Most Affordable Options Now!

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 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 MinimumPIP* Required?
30/60/25$2,500
SR22 Insurance Texas Facts: *PIP stands for: Personal Injury Protection
sr22 texas insurance

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
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.
RIdeshare Insurance

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 CompanySR22 Liability Only (monthly average)SR22 Full Coverage (average)
The General$91.00$183.00
SafecoN/AN/A
Acceptance RTR$119.00$205.00
State FarmN/AN/A
USAAN/AN/A
Dairyland$60.00$195.00
Farmers$103.00$198.00
TravelersN/AN/A
National General$81.00$168.00
American FamilyN/AN/A
21st CenturyN/AN/A
Geico$92.00$210.00
AllstateN/AN/A
Assurance America$111.00$180.00
Mendota Ins. Company$101.00$203.00
NationwideN/AN/A
Liberty Mutual$116.00$212.00
GAINSCO$124.00$200.00
Progressive Insurance$112.00$209.00
State AutoN/AN/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 in Texas. The companies with N/A listed next to them do not offer SR-22 filings.
motorcycle insurance in texas

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.

StateState MinPIP?
Texas30/60/25$2,500
SR22 Insurance Texas Minimum Requirements

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 TexasBest SR22 Insurance Company
MissionProgressive
San AntonioBristol West
ArlingtonGeico
VictoriaGeico
MansfieldGeico
BryanProgressive
Missouri CityDairyland*
LaredoThe General
MesquiteThe General
KilleenDairyland*
LewisvilleGeico
DallasProgressive
RichardsonProgressive
DentonProgressive
GalvestonThe General
MidlandProgressive
San MarcosThe General
El PasoProgressive
KellerProgressive
New BraunfelsProgressive
San AngeloProgressive
GrapevineThe General
Cedar HillProgressive
BedfordDairyland*
EdinburgProgressive
IrvingProgressive
Grand PrairieThe General
HarlingenBristol West
LubbockThe General
Flower MoundGeico
North Richland HillsLiberty Mutual
SpringLiberty Mutual
McKinneyProgressive
OdessaThe General
PasadenaThe General
CarrolltonLiberty Mutual
LongviewGeico
DeSotoProgressive
GarlandFarmers
Fort WorthFarmers
Texas CityProgressive
AustinThe General
AmarilloGeico
PlanoThe General
League CityGeico
ConroeLiberty Mutual
LeanderProgressive
AbileneThe General
PearlandProgressive
HoustonProgressive
BeaumontFarmers
PharrThe General
AllenThe General
Round RockProgressive
GeorgetownThe General
Wichita FallsGeico
Sugar LandFarmers
The WoodlandsLiberty Mutual
AtascocitaGeico
RowlettProgressive
WylieProgressive
Little ElmNational General
TylerLiberty Mutual
WacoProgressive
BrownsvilleFarmers
College StationFarmers
Corpus ChristiLiberty Mutual
Port ArthurThe General
McAllenThe General
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 SR22 insurance Texas filings, and are able to offer the most affordable Texas insurance rates for your SR-22.

Free SR22 Resource: Send to anyone you Know Who Might have concerns about their SR22 needs

SR-22 Infographic
Download our SR22 insurance quick guide PDF free!

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 CompanySR22 Filing Fee
The General$25.00
Farmers$15-$68
Geico$25.00
State FarmUnknown
21st Centuryna
Progressive Insurance$25.00
GAINSCO$25.00
State Autona
AllstateUnknown
National General$25.00
AssuranceAmerica$25.00
USAAna
Travelersna
Nationwidena
Acceptance RTRNA
DairylandFree
Safecona
Mendota Ins. CompanyNA
Bristol WestNA
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.

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
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.

Most Frequently Asked Questions: SR22 Insurance Texas

Find Out More About Auto Insurance in Your Texas City
Bedford
Burleson
Channelview
Cleburne
Coppell
Copperas
Deer Park
Del Rio
Desoto
Duncanville
El Paso
Euless
Farmers Branch
Friendswood
Galveston
Grapevine
Haltom City
Harker Heights
Harlingen
Huntsville
Hurst
Keller
Kyle
La Portence
Leander
Little Elm
Lufkin
Mission Bend
Nacogdoche
Pflugerville
Port-Arthur
Rockwall
Rosenberg
Rowlett
San-Juan
San-Marcos
Schertz
Sherman
Socorro
Southlake
Spring
Texarkana
Texas-City
The-Colony
Waxahachie
Weatherford
Weslaco
Wylie
We are your guide to SR22 Insurance Texas and other standard auto insurance in Texas!
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Last Updated on by Veronica Moss