Mercury offers the cheapest SR-22 insurance in Texas at $50 monthly for minimum coverage, 50% cheaper than the state average of $101. Progressive is the most affordable for full coverage at $119.
Cheapest SR-22 Car Insurance in Texas
Updated: February 17, 2025
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Cheap Texas SR-22 Insurance: Key Takeaways
State Farm offers the most affordable non-owner SR-22 insurance in Texas at $36 monthly.
In Texas, on average, SR-22 insurance costs $101 monthly for minimum coverage and $204 for full coverage.
Texas requires SR-22 insurance to cover $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage.
Cheapest SR-22 Car Insurance in Texas
| Mercury | $50 | $176 |
| Progressive | $53 | $119 |
| Texas Farm Bureau | $65 | $124 |
| State Farm | $71 | $153 |
| National General | $75 | $157 |
| AAA Texas | $86 | $172 |
| Foremost | $101 | $204 |
| GEICO | $115 | $214 |
| Allstate | $118 | $217 |
| Dairyland | $137 | $292 |
| Chubb | $166 | $312 |
| Nationwide | $180 | $315 |
Cheapest Non-Owner SR-22 Insurance in Texas
State Farm offers the most affordable non-owner SR-22 insurance in Texas at $36 monthly or $429 annually. Drivers needing an SR-22 but without a vehicle can choose non-owner insurance to fulfill state minimum coverage requirements.
The table below shows providers and their average costs for minimum coverage.
| State Farm | $429 | $36 |
| GEICO | $899 | $75 |
| Nationwide | $925 | $77 |
| Foremost | $1,566 | $130 |
How Much Is SR-22 Insurance in Texas?
The average cost of car insurance in Texas for drivers with an SR-22 is $1,217 for minimum coverage, a 56% increase compared to those with clean records.
For full coverage, SR-22 drivers pay an average of $2,453, while clean-record drivers pay around $1,665, marking a 47% increase.
| Full Coverage | $204 | $2,453 |
| Minimum Coverage | $101 | $1,217 |
SR-22 FILING FEE IN TEXAS
Texas insurers often charge a fee for SR-22 filings, ranging from $15 to $25. It's an extra charge, not part of the minimum coverage premium.
Average Cost of SR-22 Car Insurance in Texas by Violation
Having an SR-22 form doesn't raise your insurance rate by itself. The type of violation affects costs. The table below compares SR-22 insurance prices in Texas for common violations across age groups.
Data filtered by:Results filtered by:
Select
Driving Record:At-fault Accident
Select
Age Group:30-59
| Full Coverage | $2,778 | $232 |
| Minimum Coverage | $1,339 | $112 |
What Is SR-22 Insurance in Texas?
An SR-22 is a form that proves you have car insurance meeting the state-required minimum coverage. In Texas, drivers with certain violations must file an SR-22 to reinstate their license. Insurers see these drivers as high-risk, often facing higher premiums.
Texas SR-22 Car Insurance Laws
An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often confused with an insurance policy. It's a certification your insurer files to confirm that you have enough insurance to meet the reinstatement requirements of the Texas Financial Responsibility law.
Texas SR-22 Requirements
In Texas, having an SR-22 is necessary for two years after a serious traffic violation. This form shows you have the required minimum coverage. To follow SR-22 laws, drivers must meet these requirements:
- $30,000 personal injury liability per person
- $60,000 personal injury liability per accident
- $25,000 property damage liability per accident
Why Do I Need SR-22 Insurance in Texas?
Drivers in Texas must file an SR-22 if they commit serious driving offenses to keep or reinstate their licenses. Courts typically order an SR-22 for drivers who commit violations such as:
Serious traffic offenses
Drivers with serious traffic offenses, like DUI, may need to file an SR-22 to prove financial responsibility. Non-owner insurance provides coverage to meet legal requirements without owning a vehicle.
Repeat offenses
Drivers with repeat traffic violations might need to file an SR-22 to regain or maintain their driving privileges. Non-owner insurance helps them fulfill this requirement when they don't own a car.
Driving without insurance
If caught driving without insurance, drivers are often required to file an SR-22. Non-owner insurance can serve as proof of insurance for future incidents, even if they don’t own a vehicle.
Driving with a revoked license
After license reinstatement post-revocation, filing an SR-22 is usually required. Non-owner insurance helps meet the insurance requirement without owning a car.
Failure to pay child support
Nonpayment of child support can lead to license suspension. An SR-22 may be needed to reinstate driving privileges. Non-owner car insurance allows drivers to comply with this requirement.
How Long Do I Need an SR-22 in Texas?
In Texas, SR-22 certificates are usually required for two years.
Texas SR-22 Rules
Along with using an SR-22 for two years to comply with Texas' minimum coverage laws, drivers must follow these other rules:
- Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
- Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
- Continuous coverage: You must maintain uninterrupted coverage during the two-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
- Relocation: If you move out of Texas during the SR-22 period, coordinate with your insurer for out-of-state filing.
- Cancellation: After completing the two-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.
How to Get SR-22 Car Insurance in Texas
Drivers in Texas with serious violations, like driving without a license, must file an SR-22. Not doing so can lead to penalties, including license suspension. Here are the steps to file an SR-22:
- 1
Contact your insurer
Ask your insurance provider to file the SR-22. It knows your policy and can add the form to your coverage.
- 2
Confirm minimum coverage requirements
If you need insurance with an SR-22, ensure your policy meets Texas' minimum coverage requirements. Your insurer can help adjust your policy as needed.
- 3
Pay the SR-22 filing fee
Insurers typically charge between $15 and $25 for filing insurance with an SR-22 form.
- 4
Verify filing with your insurer
After you pay the fee, your insurer will file the SR-22 form on your behalf. Confirm that all fees have been paid and the form has been filled out correctly and on time.
- 5
Maintain your policy and check for notifications
To prevent legal issues and penalties, keep your insurance active and contact your insurer to ensure your SR-22 is valid for two years.
WHAT TO DO IF NO ONE WILL INSURE YOU
High-risk drivers with violations may need to look into nonstandard auto insurance. It's often pricier than standard ones, but it provides a solution for those struggling to get insured.
SR-22 Insurance Quotes in Texas
To avoid penalties and reinstate your license after a serious violation, keep your SR-22 coverage active throughout the required period. You must get an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be tougher than for drivers with clean records, as insurers might cancel or deny coverage when you file.
Tips to Get Cheap SR-22 Insurance in Texas
High-risk drivers in Texas often have fewer insurance options, leading to higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee if it's your first time filing. Use these tips to find cheaper SR-22 insurance:
Tip | Description |
|---|---|
Complete DUI classes or programs | Participating in state-approved DUI programs shows a commitment to safer driving, which might lower premiums from some insurers. |
Look for discounts | Even with a DUI, you might still qualify for discounts. Ask your insurer about bundling policies, completing driving courses, installing safety features or opting for electronic billing. |
Compare quotes | Since not all insurers offer SR-22 insurance, premiums can be higher due to limited options. To find more affordable rates, compare quotes from multiple providers. |
Check for high-risk programs | Certain insurers have programs for high-risk drivers, which can help you secure better rates. |
Adjust your coverage | Tailor your coverage to fit your needs and budget. Opting for a higher deductible or reducing optional coverages can decrease your premiums. |
Consider non-owner SR-22 insurance | If you don't own a car, non-owner SR-22 insurance is an affordable way to meet state requirements. |
Non-Owner SR-22 Insurance in Texas
Non-owner insurance covers drivers who don’t own a vehicle but drive often. It protects you when driving someone else’s car. Non-owner policies are ideal for renters or rideshare drivers, covering third-party injuries or property damage if you cause an accident.
Non-owner policies are often cheaper than standard insurance. Compare quotes to find the best rates. After purchasing a non-owner policy, your provider can file an SR-22 form to comply with state law and help reinstate your license after two years.
Cheap SR-22 Insurance in Texas: Bottom Line
If you've had a serious driving offense in Texas, you'll need an SR-22 to prove you have minimum coverage. You must keep this form for two years for major offenses or repeat violations. While SR-22 insurance costs more, cheap car insurance providers in Texas offer reasonable rates.
SR-22 in Texas: FAQ
Below are frequently asked questions about SR-22 certifications in Texas:
What are the cheapest SR-22 car insurance options in Texas?
Mercury offers Texas' cheapest SR-22 car insurance at an average monthly minimum coverage rate of $50. Progressive and Texas Farm Bureau are 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 $36 per month. On average, SR-22 drivers pay $101 for minimum coverage, while those with clean records pay $65.
How long do you need to have an SR-22 in Texas?
In Texas, you must keep your SR-22 and maintain continuous minimum coverage for two years. Losing your insurance coverage will reset your SR-22 period, leading to fees and possible penalties, including license suspension.
Best Cheap Texas SR-22 Car Insurance: Review Methodology
MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Texas drivers with various profiles and needs.
Texas Driver Profile
We collected data for a sample driver with the following attributes:
- 40-year-old male
- Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
- 2012 Toyota Camry LE
- 12,000 miles driven annually
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' 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
For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits 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
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.