SR22 Insurance Texas: A Quick Guide to Get Cheap Rates

By Randy Luton | Last Updated: 09/25/2023

Embarking on the journey of securing SR22 insurance in Texas might seem overwhelming. This guide is here to simplify the process, offering a clear roadmap for confident decision-making. We’ll cover the essentials, making sure you grasp the significance of SR22 insurance Texas and how it aligns with the specific requirements of the Lone Star State. Say goodbye to confusion, and let’s dive into this enlightening journey together.

What is SR22 insurance in Texas?

An SR-22 is not an insurance policy, but rather a certificate confirming that you have the minimum liability coverage required by Texas law. It serves as assurance to the Department of Public Safety (DPS) that you’re meeting your insurance .

Typically needed for high-risk drivers with specific traffic violations, such as DUIs or driving without insurance. Being a high-risk driver means you’ll require this document to maintain legal driving privileges. Remember, an SR 22 is about meeting legal requirements, not an actual insurance policy.

What coverage do I need to get SR22 insurance in Texas?

To procure an SR22 form in Texas, you must first have a standard auto insurance policy. The minimum liability coverage required by Texas car insurance laws is colloquially known as 30/60/25 coverage.

  • Per person, $30,000 for bodily injury
  • Per accident, $60,000 for bodily injury
  • Property damage per accident is $25,000

It’s imperative to maintain this coverage to keep your SR-22 status in good standing. Failure to do so could result in further legal repercussions.

How much is SR22 insurance in Texas?

In Texas, SR-22 car insurance rates vary based on your driving history. For drivers with DUIs, the average annual cost is around $855 for basic coverage and $1,747 for comprehensive coverage. SR 22 insurance might also be necessary for other violations like accidents, reckless driving, or speeding.

It’s important to note that insurance rates typically go up after such infractions, as insurers view high-risk drivers less favorably. So, it’s essential to drive responsibly to maintain lower insurance costs.

Which companies offer SR22 insurance in Texas?

Numerous car insurance companies in Texas offer SR 22 filing services such as:

It’s wise to gather multiple quotes and carefully review the terms to ensure you get the most affordable and comprehensive coverage.

How long do I need SR22 insurance in Texas?

The duration for which you’ll need to maintain your SR 22 insurance in Texas generally requires two years. depending on the severity of your offense and the stipulations of the court. It’s crucial to keep your auto insurance policy active during this period to avoid license suspension.

What is non-owner SR22 insurance in Texas?

Non-owner SR22 insurance in texas is tailored for individuals without their own vehicle, yet needing to meet the state’s SR 22 requirements. This non-owner policy provides coverage when driving a non-owned vehicle, ensuring protection in case of accidents. It’s like a safety net, giving you peace of mind even if you don’t own a vehicle yourself. This way, you can comply with Texas’ legal obligations without the need for vehicle ownership.

What are the costs of non-owner SR22 insurance in Texas?

The costs for a non-owner SR22 insurance policy in Texas are generally lower than a standard SR22 policy. However, the exact amount can vary based on your driving history and the insurance provider. On average, you can expect to pay anywhere from $429 to $1566 per year for a Texas non-owner SR-22 insurance policy.

How to obtain SR22 in Texas?

Now, let’s talk about how to get SR-22 insurance in the Lone Star State. The process is actually quite straightforward:

  • Contact Your Insurance Provider: Start by reaching out to your current insurance company. They can typically add an SR 22 filing to your existing policy.
  • Pay the Fee: There’s usually a small fee associated with filing SR-22. Your insurance provider will let you know the exact cost.
  • SR 22 Filing: Your insurance company will then file the SR-22 form with the Texas Department of Public Safety (DPS) on your behalf

By understanding the nuances of SR-22 insurance in Texas, you can navigate this complex landscape with greater ease. Whether you’re looking for the minimum coverage to meet state requirements or exploring non-owner policies, knowledge is your most valuable asset.

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Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

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Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.