State Farm provides the cheapest SR-22 insurance in Texas at $108 monthly for minimum coverage and $217 for full coverage, about 40% below the state's average rates. Keep in mind these rates apply to 40-year-old drivers with a DUI on record. AAA, Mercury Insurance, Progressive and GEICO may offer more affordable rates for your profile.
Cheapest SR-22 Car Insurance in Texas
Updated: September 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm provides the most affordable SR-22 insurance in Texas, with premiums averaging $108 per month or $1,299 per year.
On average, the cost for drivers filing an SR-22 in Texas is $167 monthly for minimum coverage and $320 per month for full coverage.
Texas requires SR-22 insurance to cover $30,000 per person and $60,000 per accident for injuries, plus $25,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Texas
| State Farm | $108 | $217 | -40% |
| Mercury Insurance | $144 | $281 | -21% |
| AAA | $147 | $277 | -21% |
| Progressive | $159 | $276 | -19% |
| GEICO | $171 | $314 | -10% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in Texas by Category
State Farm leads every SR-22 insurance category in Texas, offering the most affordable rates for all driver types. With monthly premiums starting at $64 for drivers with multiple speeding tickets and ranging to $121 for young drivers with suspensions, State Farm consistently provides the lowest-cost SR-22 coverage.
| Most Drivers Needing a SR-22 | State Farm | $108 | $217 |
| Young Drivers With a Suspension | State Farm | $121 | $253 |
| Senior Drivers With a Suspension | State Farm | $104 | $205 |
| Drivers With Multiple Speeding Tickets | State Farm | $64 | $134 |
| Drivers With Racing Violation | State Farm | $106 | $213 |
| Drivers With Hit-And-Run Accident | State Farm | $107 | $215 |
| Drivers With Other Violations | State Farm | $80 | $162 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
Cheapest Personalized SR-22 Car Insurance in Texas
While our research identifies top insurance companies for common situations, your best rates depend on personal factors. The table below shows the five most affordable providers based on your age, gender, coverage needs, credit and driving history.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| State Farm | $397 | $4,768 | -28% |
| Allstate | $431 | $5,176 | -21% |
| AAA | $520 | $6,238 | -5% |
| Progressive | $521 | $6,254 | -5% |
| GEICO | $543 | $6,515 | -1% |
Cheapest SR-22 Car Insurance in Texas by City
State Farm offers the most affordable SR-22 car insurance across Texas cities, with rates starting at $74 monthly depending on your location. Below, you can review its rates for major cities in Texas.
| Abilene | State Farm | $82 |
| Allen | State Farm | $110 |
| Alto | State Farm | $85 |
| Amarillo | State Farm | $94 |
| Argyle | State Farm | $101 |
| Arlington | State Farm | $113 |
| Aubrey | State Farm | $104 |
| Austin | State Farm | $103 |
| Beaumont | State Farm | $122 |
| Brownsville | State Farm | $117 |
| Burleson | State Farm | $96 |
| Carrollton | State Farm | $113 |
| College Station | State Farm | $90 |
| Corpus Christi | State Farm | $112 |
| Dallas | State Farm | $121 |
| El Paso | State Farm | $101 |
| Fort Worth | State Farm | $109 |
| Friendswood | State Farm | $109 |
| Frisco | State Farm | $106 |
| Garland | State Farm | $134 |
| Grand Prairie | State Farm | $127 |
| Hidalgo | State Farm | $116 |
| Houston | State Farm | $128 |
| Humble | State Farm | $118 |
| Irving | State Farm | $114 |
| Jbsa Ft Sam Houston | State Farm | $113 |
| Killeen | State Farm | $85 |
| Laredo | State Farm | $103 |
| Lewisville | State Farm | $103 |
| Lubbock | State Farm | $94 |
| McDade | State Farm | $90 |
| Mcallen | State Farm | $118 |
| Mckinney | State Farm | $107 |
| Mesquite | State Farm | $131 |
| Midland | State Farm | $86 |
| Odessa | State Farm | $96 |
| Pasadena | State Farm | $115 |
| Pearland | State Farm | $101 |
| Plano | State Farm | $111 |
| Port Aransas | State Farm | $101 |
| Richardson | State Farm | $125 |
| Round Rock | State Farm | $99 |
| San Angelo | State Farm | $74 |
| San Antonio | State Farm | $117 |
| San Benito | State Farm | $102 |
| Spring | State Farm | $113 |
| Sugar Land | State Farm | $110 |
| Tomball | State Farm | $114 |
| Tyler | State Farm | $97 |
| Waco | State Farm | $90 |
| Webster | State Farm | $115 |
| Wichita Falls | State Farm | $81 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Texas
State Farm ranks as the best car insurance provider for SR-22 filing in Texas, offering the strongest combination of affordable rates, quality customer service and useful coverage options. Our analysis shows it earned the highest overall MoneyGeek score. When comparing providers, also consider Progressive, Mercury Insurance, AAA and Farmers for your SR-22 needs.
| State Farm | 4.74 | 1 | 3 | 6 |
| Progressive | 4.60 | 4 | 2 | 2 |
| Mercury Insurance | 4.49 | 3 | 5 | 4 |
| AAA | 4.44 | 2 | 4 | 6 |
| Farmers | 4.32 | 6 | 8 | 1 |
State Farm
Best Overall for SR-22 Insurance in Texas
5/5Affordability
4.7/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Cost
$217For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$108For minimum state coverage for drivers filing an SR-22Best For
Most Drivers Needing a SR-22
How Much Is SR-22 Car Insurance in Texas?
Texas SR-22 car insurance costs $2,001 annually for minimum coverage and $3,845 per year for full coverage policies. Texas ranks 25th in affordability for both coverage types nationwide. Monthly premiums range from $111 to $918, depending on your driver profile.
| Minimum Coverage | $167 | $2,001 | -5% |
| Full Coverage | $320 | $3,845 | -4% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Texas City
According to our Texas SR-22 insurance analysis, Wichita Falls offers the lowest average rates at $117 monthly, while Tomball has the highest premiums at $180 per month. You can review costs for major cities in the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
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Coverage Type:Minimum Coverage
| Abilene | $115 | $1,385 |
| Allen | $164 | $1,966 |
| Alto | $133 | $1,591 |
| Amarillo | $150 | $1,795 |
| Argyle | $156 | $1,871 |
| Arlington | $169 | $2,024 |
| Aubrey | $161 | $1,936 |
| Austin | $164 | $1,964 |
| Beaumont | $183 | $2,195 |
| Brownsville | $174 | $2,092 |
| Burleson | $150 | $1,804 |
| Carrollton | $174 | $2,085 |
| College Station | $137 | $1,648 |
| Corpus Christi | $169 | $2,032 |
| Dallas | $186 | $2,237 |
| El Paso | $148 | $1,780 |
| Fort Worth | $161 | $1,936 |
| Friendswood | $175 | $2,101 |
| Frisco | $165 | $1,978 |
| Garland | $192 | $2,303 |
| Grand Prairie | $182 | $2,189 |
| Hidalgo | $189 | $2,270 |
| Houston | $206 | $2,477 |
| Humble | $195 | $2,335 |
| Irving | $177 | $2,127 |
| Jbsa Ft Sam Houston | $170 | $2,036 |
| Killeen | $134 | $1,610 |
| Laredo | $158 | $1,894 |
| Lewisville | $164 | $1,969 |
| Lubbock | $142 | $1,699 |
| Mcallen | $193 | $2,316 |
| McDade | $155 | $1,862 |
| Mckinney | $166 | $1,988 |
| Mesquite | $189 | $2,273 |
| Midland | $132 | $1,589 |
| Odessa | $135 | $1,623 |
| Pasadena | $182 | $2,187 |
| Pearland | $171 | $2,046 |
| Plano | $172 | $2,063 |
| Port Aransas | $149 | $1,793 |
| Richardson | $178 | $2,142 |
| Round Rock | $157 | $1,881 |
| San Angelo | $113 | $1,353 |
| San Antonio | $177 | $2,123 |
| San Benito | $168 | $2,011 |
| Spring | $182 | $2,185 |
| Sugar Land | $181 | $2,170 |
| Tomball | $180 | $2,163 |
| Tyler | $159 | $1,913 |
| Waco | $136 | $1,630 |
| Webster | $177 | $2,129 |
| Wichita Falls | $117 | $1,407 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Texas SR-22 Insurance Requirements
To comply with Texas laws, you must carry these minimum liability limits:
- $30,000 personal injury liability per person
- $60,000 personal injury liability per accident
- $25,000 property damage liability per accident
In the state, SR-22 certificates are usually required for two years. It can be extended to three years or more, depending on the violation and if there is noncompliance with requirements or repeated offenses."
TYPES OF SR-22 FILINGS
Texas drivers can also opt for a comprehensive solution called the SR-22 Operators-Owner Certificate. This combined filing offers the best of both worlds, providing coverage whether you're driving your own vehicle or someone else's car. This option proves particularly useful for drivers who regularly operate both owned and borrowed vehicles.
Other Texas SR-22 Insurance Laws and Regulations
While filing an SR-22 helps meet Texas's basic insurance requirements, drivers must understand several additional coverage laws and regulations.
- First offense: requires two years of SR-22 coverage
- Second offense within five years: adds a 180-day license suspension plus continued SR-22 requirement
- Third offense within five years: results in a one-year license suspension plus continued SR-22 requirement.
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in Texas range from $15 to $25, while license reinstatement fees range from $100 to $325, based on your violation type. Texas offers payment plans for fees exceeding $100 through the Department of Public Safety.
Coverage Lapses and Cancellations
Your insurance company must notify the Texas Department of Public Safety if your SR-22 coverage lapses or gets canceled. This results in immediate license suspension until you file a new SR-22 and pay reinstatement fees.
SR-22 Requirement Length
Texas requires SR-22 insurance for 2 years, but this extends to three years for serious violations involving injuries, death, or major property damage. For non-driving violations:
SR-22 Filing Process
Contact an insurance company licensed in Texas to purchase a policy meeting state minimum requirements. The insurer files the SR-22 electronically with the Texas Department of Public Safety. Standard processing takes about 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Texas provides coverage options through the Texas Automobile Insurance Plan Association (TAIPA) for drivers who can't secure standard coverage. To qualify for TAIPA coverage, drivers must show proof of rejection from at least two insurance companies within the past 60 days.
Cheap SR-22 Insurance in Texas: Bottom Line
In Texas, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts two to three years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
SR-22 Insurance Texas: FAQ
Below are frequently asked questions about SR-22 certifications in Texas:
What are the cheapest SR-22 car insurance options in Texas?
State Farm provides Texas's cheapest SR-22 car insurance at $108 per month for minimum coverage. Mercury Insurance and AAA follow as the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Texas?
Filing an SR-22 increases car insurance rates in Texas by 4% compared to drivers with clean records.
How long do you need to have an SR-22 in Texas?
In Texas, you must maintain an SR-22 and continuous insurance coverage for two to three years. Failing to keep coverage resets the SR-22 period and may result in extra penalties.
How We Decided the Best and Cheapest SR-22 Insurance in Texas
MoneyGeek analyzed hundreds of thousands of quotes across Texas to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
Texas SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
- 40-year-old male
- Driving record with a DUI
- 2012 Toyota Camry LE
- 12,000 miles driven annually
- Suspended license
- Single
- No claims history
Coverage Levels and Deductibles
We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Texas's minimum coverage requirements, with the following limits:
- $30,000 personal injury liability per person
- $60,000 personal injury liability per accident
- $25,000 property damage liability per accident
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
- Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
- Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.