Understanding SR-22 insurance in Texas

An SR-22 is required to reinstate your license after it’s been suspended. In some cases, you might need an SR-22 even though you don’t own a car, or if you need to register a car while still under suspension. There are several forms of SR-22 filings available in Texas:

  • Operator
  • Owner
  • Owner-operator

If you need to reinstate your license but don’t own a car, you will need to purchase non-owner car insurance to get the SR-22 filed.

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

The average length of an SR-22 requirement is two years. If you need the SR-22 for a longer period of time, you’ll be informed by the DMV or the court.

If you fail to maintain an insurance policy throughout the duration of your SR-22 period, the insurance company will inform the Texas DMV of the lapse in coverage. A lapse will result in an extension of the SR-22 insurance duration.

Further serious moving violations during the SR-22 period may also result in an extension of the SR-22 requirement.

Reasons for requiring SR-22 insurance in Texas

An SR-22 is required in Texas for several reasons. They include:

  • DUI/DWI
  • Driving without insurance
  • Being involved in an at-fault accident while uninsured
  • Too many points on your license
  • Reckless driving

You will be informed by the DMV or the court handling your conviction of any SR-22 insurance requirements.

How much is SR-22 insurance in Texas?

The cost of insurance with an SR-22 will vary depending on the violation that resulted in the need for an SR-22. The insurance company will charge you a filing fee that is usually between $25 and $50. On top of that, your insurance rates will go up. Here are a few examples:

  • The average cost of DUI/DWI first offense and SR-22 insurance in Texas is $2,947 per year
  • The average cost of DUI/DWI second offense and SR-22 insurance in Texas is $4,070 per year 
  • The average cost of insurance with an SR-22 in Texas after a reckless driving conviction is $3,122 per year
  • The average cost of driving without insurance and SR-22 in Texas is $2,262 per year

The main factors affecting SR-22 insurance cost in Texas are the violation itself and what else is on your driving record. The cost of insurance for multiple traffic violations and SR-22 insurance, or at-fault accidents on your record will skyrocket. 

How much you pay for insurance with an SR-22 will also depend on:

  • The type of car you drive
  • Where you live
  • How you use your car
  • Your coverage limits

"Many companies are unwilling to provide you insurance coverage if you have an SR-22 and need to satisfy the various obligations associated with carrying an SR-22. As such, you’ll likely have fewer options available to you and you may need to pay more for your insurance," says  Rick Kautzer, director of product management at Dairyland Insurance, a non-standard insurer.

Average cost of SR-22 insurance in Texas by violation

Below are average car insurance rates for three different violations that require an SR-22.

ViolationAverage annual premium
DUI/DWI first offense$2,947
DUI/DWI second offense$4,070
Reckless driving$3,122
Driving without insurance$2,262

Average SR-22 insurance cost in Texas for different violations

See the tables below to compare rates from top companies for an SR-22 with various violations.

SR-22 insurance cost by company for DUI/DWI, first offense

Below are average car insurance rates by company for a first offense DUI/DWI that requires an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
State Farm$2,281$190
Progressive$2,373$198
USAA*$2,586$216
Nationwide$2,630$219
Auto Club Entreprises$2,665$222
Geico$2,673$223
Mercury$2,707$226
Farmers$2,953$246
Allstate$5,654$471

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for DUI/DWI, second offense

Below are average car insurance rates by company for a second offense DUI/DWI that requires an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
State Farm$2,760$230
Geico$3,368$281
USAA*$3,498$292
Farmers$3,554$296
Nationwide$3,619$302
Progressive$3,638$303
Auto Club Entreprises$3,819$318
Mercury$3,841$320
Allstate$8,528$711

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for reckless driving 

Below are average car insurance rates by company for reckless driving with an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
Nationwide$1,661$138
State Farm$2,281$190
USAA*$2,586$216
Auto Club Entreprises$2,665$222
Geico$2,673$223
Progressive$2,988$249
Mercury$3,525$294
Farmers$4,061$338
Allstate$5,654$471

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for driving without insurance

Below are average car insurance rates by company for driving without insurance with an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
State Farm$1,482$124
Auto Club Entreprises$1,614$135
Nationwide$1,661$138
Geico$1,826$152
USAA*$1,943$162
Farmers$2,620$218
Progressive$2,778$232
Mercury$2,856$238
Allstate$3,574$298

*USAA offers car insurance only to military members, veterans and their families

Tips to lower SR-22 insurance costs in Texas

Because the need for an SR-22 follows a major violation, car insurance after an SR-22 is expensive. The good news is that many of the methods for getting cheaper car insurance still apply after an SR-22. They include:

  • Raising your deductible
  • Working to improve your driving record (and avoid any further tickets or accidents)
  • Discounts, including for bundling your auto and home insurance
  • Usage-based programs that monitor your driving habits in return for a discount
  • Shopping around

Shopping around is the quickest and easiest way to get cheaper Texas car insurance, even with an SR-22.

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Auto insurance FAQs

What happens if I fail to maintain SR-22 insurance in Texas?

If your insurance lapses, the insurance company will report it to the DMV. Your license will be suspended or even revoked permanently.

Can I switch insurance providers while I have an SR-22 filing?

Yes. Switching insurance providers with an SR-22 filing is permitted. Just make sure there is no lapse in coverage and that the new insurance company files the SR-22 form.