Cheapest SR-22 Car Insurance in Texas (2024)

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Updated: December 19, 2024

Advertising & Editorial Disclosure

SR-22 isn't a type of car insurance. It's a certificate of financial responsibility that you may be required to carry after a driving violation like a DWI or at-fault accident. Your insurer files the SR-22 form to prove you have liability coverage. The form does not directly impact your rates, but violations that require SR-22 filing can increase your premiums significantly.

For liability-only coverage, Progressive and Mercury offer the cheapest SR-22 insurance for Texas drivers, averaging $601 and $609 annually, respectively. The two cheapest insurers for non-owner SR-22 insurance in Texas are State Farm and GEICO, which charge $429 and $899 per year.

Key Takeaways

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The cheapest provider of state minimum coverage SR-22 car insurance in Texas is Progressive, with premiums of $50 per month and $601 annually.

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In Texas, the cheapest provider for full coverage SR-22 car insurance is Progressive, with monthly premiums of $122 and annual premiums of $1,462.

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In Texas, the top two cheapest providers for non-owner SR-22 car insurance are State Farm and GEICO. Here are their monthly and annual premiums for non-owner SR-22 insurance:

1. State Farm
- Monthly premium: $36
- Annual premium: $429

2. GEICO
- Monthly premium: $75
- Annual premium: $899

What is Non-Owner SR-22 Insurance?

Non-owner SR-22 insurance is a certificate of financial responsibility designed for drivers who do not own a vehicle but are required to provide proof of liability coverage. This situation often arises after specific driving violations such as a DWI (driving while intoxicated), repeated traffic offenses, or driving without insurance. Though it isn't a type of auto insurance policy, the SR-22 form demonstrates compliance with state minimum liability coverage requirements.

The need for an SR-22 typically follows license suspension, revocation, or other severe traffic violations, and it is necessary to maintain it for a specified period (two years in Texas). This insurance ensures that even without owning a vehicle, the driver meets legal requirements to drive and avoid further penalties or license suspensions. 

Finding affordable non-owner SR-22 insurance is crucial for managing costs and staying legally compliant while driving.

Why Trust MoneyGeek? We obtained data from the Texas Department of Labor and Regulation’s Division of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

328,384Quotes Analyzed
 
14Companies Compared
 
370ZIP Codes

Cheapest SR-22 Car Insurance in Texas

The cheapest companies for state minimum coverage SR-22 car insurance in Texas are:

  • Progressive: $50 per month; $601 per year
  • Mercury: $51 per month; $609 per year

The least expensive providers for full coverage car insurance with an SR-22 in Texas are:

  • Progressive: $122 per month; $1,462 per year
  • Texas Farm Bureau: $124 per month; $1,488 per year

After a moving violation, your car insurance rates may rise because insurers view you as a high-risk driver. Still, you can find cheap car insurance with an SR-22 by shopping around and comparing quotes.

Data filtered by:Results filtered by:
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Age Group:30-59
Select
Coverage:State Minimum Liability Only
Select
Driving Record:DUI
Progressive$601$50
Mercury$609$51
Texas Farm Bureau$779$65
State Farm$837$70
National General$900$75
AAA Texas$1,031$86
Foremost$1,227$102
GEICO$1,383$115
Allstate$1,418$118
Chubb$1,685$140
Dairyland$1,836$153
Nationwide$2,250$187
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Cheapest Non-Owner SR-22 Car Insurance in Texas

In Texas, State Farm offers the cheapest non-owner SR-22 car insurance. The cheapest companies are:

  • State Farm: $36 per month; $429 per year
  • GEICO: $75 per month; $899 per year

Non-owner car insurance can fulfill the liability coverage requirements for drivers who are required to carry SR-22 but don't own a vehicle. This insurance is necessary following license suspension, revocation or severe traffic violations. If you're a non-owner driver, finding the most affordable provider is key to managing costs while staying legally compliant.

State Farm$429$36
GEICO$899$75
Nationwide$925$77
Foremost$1,566$130
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance offers liability coverage for people who drive frequently but don't own a vehicle, such as those driving rental cars. This coverage will cover third-party bodily injury and property damage if you are at fault in an accident.

Non-owner vehicle insurance in Texas is often more affordable than standard policies. To ensure you get a good deal, compare quotes from various insurers to find the best rates.

What Is an SR-22 in Texas?

An SR-22 is a certificate of financial responsibility, not an insurance policy itself. It's filed by your insurance company to prove you have the state minimum coverage after serious traffic violations like a DWI, repeat traffic offenses, or driving without insurance. You'll need to maintain an SR-22 for two years in Texas. If your SR-22 is canceled, terminated or lapses, your insurer will notify the Texas Department of Public Safety.

An SR-22 certificate verifies that you carry the following minimum car insurance requirements in Texas:

  • $30,000 for bodily injury liability per person
  • $60,000 for bodily injury liability per accident
  • $25,000 for property damage liability per accident

Even if you don't own a vehicle, you'll need SR-22 non-owner car insurance in Texas.

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WHAT IS AN SR-22A?

The SR-22A — a more severe form of the SR-22 — is often for drivers with repeat offenses. If you are required to have an SR-22A, you must pay at least six months of premiums upfront. The SR-22A exists only in Texas, Georgia and Missouri.

Who Needs an SR-22 in Texas?

Texas drivers who receive a violation for driving while intoxicated (DWI), driving without insurance or committing serious traffic offenses must file an SR-22. This form proves you have at least the minimum coverage auto insurance, a requirement for keeping your driver's license. In Texas, drivers must carry an SR-22 for two years following these convictions. Specific violations that require an SR-22 include:

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    DWI

    If you're caught driving while intoxicated, you'll need SR-22 insurance to prove you have at least the minimum coverage.

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    Driving without insurance

    If you've been pulled over without auto insurance and can't provide proof of auto insurance, expect to have to file an SR-22 form.

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    Severe traffic offenses

    Major violations, like reckless driving, require you to carry SR-22 insurance to keep your driving privileges.

How an SR-22 Impacts Your Car Insurance in Texas

Filing an SR-22 in Texas can lead to higher insurance rates, fewer coverage options and extra filing fees. But it can also mean insurers might refuse to cover you or even cancel your policy mid-term. If this happens, get another policy as soon as possible. If you let your insurance lapse, you could have to restart your SR-22 requirement, which typically lasts two years in Texas.

An SR-22 negatively impacts your car insurance in Texas in the following ways:

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    Limited number of insurance options

    High-risk drivers in Texas may find fewer insurance providers willing to offer coverage, potentially leading to higher premiums and limited choices.

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    Possible policy cancellation

    Upon filing an SR-22, Texas insurers may cancel your policy mid-term or decide not to renew it, requiring you to seek a new provider.

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    Long period of required filing

    Texas mandates that you maintain SR-22 coverage for two years from the date of your qualifying conviction, ensuring continuous minimum liability coverage.

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    Filing fees

    Filing an SR-22 in Texas involves a one-time fee, typically around $25, which adds to the filing's financial impact.

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WHAT TO DO IF NO ONE WILL INSURE YOU

Nonstandard auto insurance is a viable choice for high-risk drivers who have violations on their records. Although it usually comes with higher costs than traditional insurance, it can be the most suitable option for people struggling to find coverage elsewhere due to their spotty driving records. In Texas, the Texas Automobile Insurance Plan Association (TAIPA) was created to cover high-risk drivers who can't purchase insurance through the private market.

Average Cost of SR-22 Car Insurance in Texas

The average annual cost of SR-22 insurance in Texas for drivers with a DWI is $1,213 for minimum coverage and $2,490 for full coverage. Texas drivers with a clean record pay significantly less per year, averaging $794 for minimum coverage and $1,715 for full coverage. Your premiums depend on your driving history.

The SR-22 certificate doesn't increase rates — the DWI or other severe offense does. If you're a repeat offender, your insurer may not renew your policy or may increase your rates at renewal time.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:State Minimum Liability Only
Clean$794$66
Speeding Ticket$946$79
DUI$1,213$101
At-fault Accident$1,339$112

How to Get SR-22 Car Insurance in Texas

Filing an SR-22 is non-negotiable for Texans with certain violations. Failure to comply can lead to further legal and financial trouble. Securing an SR-22 in Texas involves the following steps:

  1. 1

    Determine if you need an SR-22

    If you've gotten a DWI, were caught driving without insurance or have serious traffic offenses in Texas, you may be required to file an SR-22 as ordered by a municipal court. This form proves you have at least minimum coverage auto insurance.

  2. 2

    Contact your insurance company

    Contact your current insurer to request an SR-22 filing. It will prepare the necessary documentation to verify that your coverage meets Texas's minimum liability requirements.

  3. 3

    Review the filing fee

    Expect to pay an SR-22 processing fee. That fee is typically around $25 in Texas, but it can vary by insurance company.

  4. 4

    File the SR-22

    Your insurer can electronically file the SR-22 certificate with the Texas Department of Public Safety on your behalf, ensuring you meet the state's legal requirements.

  5. 5

    Confirm filing and maintain coverage

    After filing, confirm that your insurer has submitted the SR-22. Texas law requires continuous coverage during this period, so you must maintain your insurance policy without lapses for two years.

  6. 6

    Check for insurer notifications

    Your insurer must notify the state if it cancels your insurance policy. To avoid license suspension, keep your policy active and in good standing.

If your SR-22 in Texas lapses, your driving privilege will be re-suspended. You'll need to pay for a new SR-22 to reinstate your license, and the SR-22 filing period may start over again.

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FINANCIAL RESPONSIBILITY CANCELLATION FORM

After completing the mandatory two years of SR-22 coverage in Texas, your insurance company should file a financial responsibility cancellation form. This tells the government you've satisfied the minimum coverage requirements for serious traffic violations. It's the final step to clear your record.

How to Save on Car Insurance in Texas After a Violation

If you need car insurance after a DWI, expect your premiums to go up. In Texas, a DWI stays on your record permanently unless you can get it expunged or sealed. Texans with a clean record pay around $794 per year for state minimum coverage, but a DWI can raise this to $1,213.

You still have options for affordable coverage. When filing an SR-22, you must maintain at least the minimum liability coverage of 30/60/25 for two years. Comparing your options can help you find the cheapest rate.

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    Complete DWI classes or programs

    After a DWI, taking a 12-hour DWI class is a court-ordered requirement for a first-time offender in Texas. Although completing a class does qualify you to receive better insurance rates, doing so shows insurers you're taking steps to avoid future incidents.

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    Look for discounts

    Even after a DWI, you might still qualify for car insurance discounts. Ask your provider about savings on bundling policies, installing safety equipment or insuring multiple vehicles, as well as pay-in-full and electronic billing discounts.

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    Compare car insurance quotes

    Providers offer different rates for minimum coverage, so compare auto insurance quotes to find an affordable plan.

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    Increase your deductible

    Opting for a higher deductible, which only applies to full coverage policies with collision and comprehensive insurance, can reduce your monthly premium. Assess your finances to see if you can handle a larger out-of-pocket expense in the event of a claim.

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    Consider usage-based insurance

    Usage-based insurance telematics track driving behavior and mileage via a mobile app. Safe, limited driving after a DWI can demonstrate responsibility, potentially reducing rates over time.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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FAQ: SR-22 Insurance in Texas

Finding affordable SR-22 insurance in Texas can be a challenge for drivers. Get answers to common questions about securing cost-effective coverage.

What are the cheapest SR-22 car insurance options in Texas?

How much does filing an SR-22 increase car insurance rates, on average?

How long do you need to have an SR-22 in Texas?

About Mark Fitzpatrick

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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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