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Texas SR-22 Car Insurance (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for SR-22 Insurance in Texas (2022)

For drivers with SR-22 in Texas, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Texas. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Texas.

CarrierAvg. Monthly Cost
Apparent Insurance$196
Direct Auto$203
Bristol West$225
Jupiter Auto$232
Texas Ranger$232

How Much Does SR-22 Insurance Cost in Texas?

The filing fee for an SR-22 in most states averages $20. But the impact that needing an SR-22 can have on insurance is much more. If you have to file an SR-22 in Texas, you are most likely a high-risk driver. Those with no violations in the state pay an average of $251 in insurance premiums monthly, while high-risk drivers pay $31 more.

A 12 percent insurance rate hike can be costly, considering that you'll need to keep an SR-22 on file for two years in Texas. At $282 per month for insurance, needing to have an SR-22 costs motorists $6,768 over the 24 months required.

No Violation - Avgerage Monthly Rate
With SR-22 - Average Monthly Rate
$31 ▴
12.35% ▴
Difference in Average Monthly Rate
Percent Change in Average Monthly Rate

Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

What Is an SR-22, and Who Needs One in Texas?

Most states have financial responsibility laws to ensure that people have enough money to cover other parties' expenses should they get into an accident. In general, having auto insurance satisfies these laws. States sometimes order high-risk drivers (those with DUIs, for example) to have their insurance company file an SR-22 along with their insurance as a way of guaranteeing that they indeed have the minimum liability coverage required by the state.

An SR-22 isn't insurance but is an endorsement filed by the insurance company—and tacked onto the insurance policy. It's an extra step, courtesy of the state, because the driver's behavior either wasn't financially responsible to begin with or could lead to a situation where having enough insurance is critical. Some insurance companies won't insure high-risk drivers and, therefore, won't issue an SR-22.

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How Much Does Credit Score Affect SR-22 Insurance Costs in Texas?

Regardless of your credit score, car insurance premiums are higher in Texas if you have to file an SR-22. For example, drivers who have an excellent credit rating and carry an SR-22 pay $57 more monthly for insurance than those without this requirement. Those with poor credit scores pay the most, at $70 more than a similarly scoring driver's premium without an SR-22.

Credit TierAvg. Monthly Rate - No Violation Avg. Monthly Rate - SR-22 Difference

How to Find the Best SR-22 Insurance Rate in Texas

It isn't too hard to get an SR-22 in Texas. You'll want to first talk to your current insurance carrier and ask them if they will file one for you. If they refuse, or if your policy gets too expensive, you'll have to start shopping around for other insurance companies. Once your insurance company files the SR-22 with the state, they will provide you a copy, too. This copy must be kept with you and used as proof of insurance. Just having your insurance card on hand won't do.

Non-Owner SR-22 Insurance in Texas

Not everyone who has to secure an SR-22 owns a vehicle. That's ok. You can get non-owner insurance and add an SR-22 on top of that. A non-owner insurance policy follows you, not the vehicle. This means whatever car you're driving, you'll have liability coverage.

Alternatives to an SR-22 in Texas

If two or more insurance companies have turned you down for an SR-22, you can satisfy minimum coverage requirements through the Texas Automobile Insurance Plan Association (TAIPA). In addition to an SR-22, there are several other ways of proving financial responsibility in Texas. For example, you can set $55,000 in cash or a personal certificate of deposit CD aside with the state to secure a financial responsibility certification.

Another alternative form the state uses is the SR-22A. The liability requirements for the insurance attached to this form are similar to the requirements for an SR-22. However, because of the repeat nature of the violation, Texas requires the insurance policy to be paid up front.>/p>

How Do I Get SR-22 Insurance in Texas

If you don't mind the time and frustration, feel free to call insurance companies one by one and ask if they'll issue an SR-22. But if you want to take care of insurance matters the easy way, use Insurify to examine multiple qualifying carriers at once. Simply mark that you are looking for affordable SR-22 options, and Insurify will return a side-by-side list of carriers and pricing based on your insurance profile.

Frequently Asked Questions

  • According to Texas law, if the court orders you to have an SR-22, you'll need to keep it on file for two years from the date of judgment. Your insurance company will notify the state immediately if you cancel your policy, they terminate it, or you let it lapse. If any of this happens, the DMV will suspend your license immediately.

  • Moving out of state isn't a reason to let your SR-22 expire. Even if you travel to a state that doesn't require an SR-22, most states will expect that you complete the duration of the assigned period for your SR-22. How will they know you even need an SR-22? When you file for new tags and show insurance, your insurance past usually shows up in the DMV system.

  • Yes. Even if you don't own a car, you'll have to get an SR-22 in Texas if so ordered. Talk to your insurance agent about a Texas non-owner SR-22 insurance policy. This non-owner policy follows you, not the vehicle, if you decide to borrow someone's car to be on the road.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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