Cheapest SR-22 Insurance in Texas for 2024 (Top 10 Low-Cost Companies)
State Farm, Geico, and Progressive have the cheapest SR-22 insurance in Texas. Plans start at $33/ month with State Farm, which offers local agent support. Geico provides competitive rates for military and government employees, and Progressive offers unique discounts for cheap Texas SR-22 auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Nov 22, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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For the cheapest SR-22 insurance in Texas, State Farm, Geico, and Progressive are the top choices, starting at just $33 a month.
This guide breaks down the most affordable Texas SR-22 insurance companies, including discounts for safe drivers. We also highlight how to secure cheap full coverage auto insurance with SR-22 filings, giving you the best value and savings while meeting Texas’ SR-22 requirements.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Texas
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $33 B Local Agents State Farm
#2 $39 A++ Government Employees Geico
#3 $45 A+ Various Discounts Progressive
#4 $49 A Customizable Coverage Safeco
#5 $51 A Personalized Service Farmers
#6 $57 A+ Family Plans Nationwide
#7 $60 A Flexible Payments The General
#8 $65 A Unique Coverage American Family
#9 $66 A Multi-Policy Discounts Liberty Mutual
#10 $75 A+ New Cars Allstate
Stay informed and find the right coverage for your needs. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
- Find the cheapest SR-22 insurance in Texas starting at $33/month
- Compare top providers like State Farm, Geico, and Progressive
- Learn how to save with discounts and tailored SR-22 coverage
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#1 – State Farm: Top Pick Overall
Pros
- Lowest Monthly Premium: Offers the most affordable SR-22 insurance in Texas at $33 for minimum coverage.
- Face-to-Face Guidance: Local agents provide personalized SR-22 filing assistance across Texas locations.
- Budget-Friendly Full Coverage: Full SR-22 coverage is available at $90/month, providing cheap auto insurance for high-risk drivers in Texas.
Cons
- Limited Online Tools: SR-22 filing in Texas requires direct agent interaction.
- Restricted Discount Options: Fewer SR-22 specific discounts compared to other Texas providers.
#2 – Geico: Cheapest for Government Employees
Pros
- Federal Employee Perks: Exclusive SR-22 coverage discounts for Texas government workers (Read More: Cheap Auto Insurance for Government Employees).
- Military Benefits: Special SR-22 insurance rates for Texas service members at $39 monthly.
- Digital Experience: Streamlined online SR-22 filing process for Texas drivers.
Cons
- Limited Local Offices: Fewer physical locations for Texas SR-22 insurance support.
- Strict Policy Rules: Stringent SR-22 insurance requirements for Texas high-risk drivers.
#3 – Progressive: Best for Various Discounts
Pros
- Snapshot Rewards: Usage-based SR-22 insurance savings for Texas safe drivers.
- Professional Discounts: Special SR-22 rates for Texas business and organization members.
- Multiple Payment Options: How do auto insurance payments work with Progressive? It has flexible SR-22 premium payment plans for Texas customers.
Cons
- Higher Full Coverage: Monthly SR-22 full coverage at $121 exceeds the Texas market average.
- Complex Claims Process: Multi-step SR-22 claims handling for Texas policyholders.
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#4 – Safeco: Cheapest Customizable Coverage
Pros
- Coverage Flexibility: Tailored SR-22 insurance packages for different Texas driving needs.
- RightTrack Program: As mentioned in our SafeAuto auto insurance review, you can lower Texas SR-22 insurance rates with monitored safe driving.
- Claims-Free Benefits: Special SR-22 insurance discounts for Texas drivers maintaining clean records.
Cons
- Limited Accessibility: Fewer direct service options for Texas SR-22 insurance holders.
- Price Variations: SR-22 auto insurance rates fluctuate significantly across different Texas regions.
#5 – Farmers: Cheapest Personalized Service
Pros
- Dedicated Agents: Specialized SR-22 insurance guidance for Texas high-risk drivers.
- Safety Features Discount: Our Farmers auto insurance review highlights the company’s SR-22 car insurance discounts for Texas vehicles with advanced safety equipment.
- Bundling Options: Multi-policy savings are available with Texas SR-22 insurance plans.
Cons
- Higher Premiums: Full coverage SR-22 insurance costs $138/month in Texas.
- Coverage Restrictions: Limited SR-22 policy customization options for Texas drivers.
#6 – Nationwide: Cheapest Family Plans
Pros
- Family Plans: Special SR-22 insurance rates for Texas households with multiple drivers. (Read More: Cheap Auto Insurance for Families With Multiple Drivers)
- Accident Forgiveness: First-time accident protection for Texas SR-22 policyholders.
- Mileage-Based Discounts: Nationwide SmartMiles reduces Texas SR-22 rates based on monthly mileage.
Cons
- Premium Costs: Higher minimum Texas SR-22 insurance rates at $57/month.
- Technology Required: SmartMiles program needs specific devices for Texas SR-22 discounts.
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#7 – The General: Best for Flexible Payments
Pros
- Payment Plans: As mentioned in The General Auto Insurance Review, it offers multiple SR-22 premium payment options for Texas drivers.
- High-Risk Acceptance: Specializes in SR-22 coverage, helping high-risk drivers find coverage when they can’t find it at standard companies.
- Quick Processing: Rapid SR-22 filing service for Texas license reinstatement.
Cons
- Limited Discounts: Fewer SR-22 insurance savings opportunities in Texas.
- Basic Coverage: Minimal extra features in Texas SR-22 insurance packages.
#8 – American Family: Cheapest Unique Coverage
Pros
- KnowYourDrive: Track safe driving habits to get cheaper Texas SR-22 insurance premiums.
- Coverage Innovation: Unique SR-22 insurance add-ons for Texas policyholders.
- Teen Driver Focus: Our American Family auto insurance review includes special SR-22 programs for young high-risk drivers in Texas.
Cons
- Higher Rates: SR-22 minimum coverage starts at $65/month in Texas.
- Regional Limitations: Coverage availability varies across Texas.
#9 – Liberty Mutual: Best Multi-Policy Discounts
Pros
- Bundle Savings: Significant Texas SR-22 discounts when combining multiple policies.
- Prior Coverage Credit: SR-22 insurance rate reductions for Texas drivers who maintain their coverage.
- Student Benefits: Texas students with good academic records can enjoy special SR-22 rates thanks to good student auto insurance discounts.
Cons
- Price Point: Higher SR-22 insurance rates at $66/month for Texas minimum coverage.
- Service Areas: Limited coverage options in certain Texas regions.
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#10 – Allstate: Cheapest for New Cars
Pros
- New Vehicle Savings: Special SR-22 rates for Texas drivers with newer cars.
- Discount Variety: Multiple SR-22 insurance savings opportunities for Texas drivers.
- Safe Driver Bonus: Explore accident-free and claims-free discounts on Texas SR-22 insurance in our Allstate auto insurance review.
Cons
- Premium Costs: Highest monthly SR-22 insurance rates at $75 in Texas.
- Coverage Complexity: Intricate SR-22 policy terms for Texas insurance holders.
Affordable SR-22 Insurance Options in Texas
We’ve made a list of the least expensive SR-22 insurance choices from well-known insurance companies to help you find a good deal.
Texas SR-22 Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$75 $201
$65 $176
$51 $137
$39 $105
$66 $178
$57 $154
$45 $121
$49 $130
$33 $90
$60 $150
If you need SR-22 auto insurance in Texas, it’s important to know how much different companies charge each month and what kind of coverage they offer.
SR-22 insurance ensures you meet the Texas minimum auto insurance requirements. Compare options from providers like Allstate, State Farm, and Progressive to find the best rates for your needs.
Compare rates from multiple providers, as minimum coverage can be significantly cheaper than full coverage, offering substantial savings.Kristen Gryglik LICENSED INSURANCE AGENT
State Farm and Geico typically have the cheapest Texas SR-22 insurance rates, but high-risk drivers with multiple DUIs or speeding tickets could see higher rates. Check out high-risk companies like The General if you can’t find affordable SR-22 coverage with other companies.
Read More: Best Auto Insurance After a DUI in Texas
Top Discounts to Save on SR-22 Insurance in Texas
If you want to save big on SR-22 insurance in Texas, ask for discounts. This is a list of insurance discounts from the cheapest SR-22 insurance companies in Texas.
Texas SR-22 Insurance Discounts From the Top Providers in Texas
Insurance Company Available Discounts
Safe Driving Bonus, New Car Discount, Early Signing Discount, Multi-Policy Discount
Young Driver Discount, Early Signing Discount, Bundled Insurance Discount, Safe Driver Discount
Good Driver Discount, Homeowner Discount, Multi-Policy Discount, Professional Group Discount
Multi-Vehicle Discount, Military Discount, Federal Employee Discount, Safe Driver Discount
Vehicle Safety Features Discount, Claims-Free Discount, Multi-Policy Discount, Online Purchase Discount
Family Plan Discount, Multi-Policy Discount, SmartRide Program, Accident-Free Discount
Snapshot Program, Multi-Car Discount, Continuous Coverage Discount, Online Quote Discount
RightTrack Program Discount, Multi-Policy Discount, Online Purchase Discount, Claims-Free Discount
Drive Safe & Save, Multi-Car Discount, Good Student Discount, Homeowner Discount
Safe Driver Discount, Prior Coverage Discount, Multi-Car Discount, Good Student Discount
Finding affordable SR-22 insurance in Texas can be a challenge, but taking advantage of available discounts can help lower your premiums. Whether you sign up early or pay your policy in full, these deals can really help lower your SR-22 insurance costs.
Read More: Cheap Auto Insurance for High-Risk Drivers in Texas
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Cheapest SR-22 Insurance Companies in Texas
If you’re looking for affordable SR-22 insurance in Texas, State Farm, Geico, and Progressive are your best bets. State Farm is great if you want local agent support and good service, making it a solid pick for anyone who likes a personal touch.
Geico is awesome for its competitive prices and easy-to-use website, which is perfect for those on a budget. Progressive has many discounts, including the Snapshot Program, which is ideal for safe drivers who want to save even more.
These providers represent some of the best Texas auto insurance options for affordable SR-22 coverage. Ready to find the perfect plan? Get instant insurance quotes from our free comparison tool.
Frequently Asked Questions
What is SR-22 insurance in Texas?
Texas SR-22 auto insurance is a certificate of financial responsibility required for high-risk drivers. It verifies that you have the minimum liability coverage mandated by the state.
What is the average cost of SR-22 insurance in Texas?
The average cost of SR-22 insurance in Texas can vary, but you can expect to pay around $35 to $60 per month, depending on your driving history and insurance provider. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
What company has the cheapest Texas SR-22 insurance?
State Farm, Geico, and Progressive are known for offering the cheapest SR-22 insurance in Texas, with rates starting as low as $33 per month. Compare Geico vs. State Farm auto insurance.
Do I need an SR-22 to reinstate my license in Texas?
Yes, if your license has been suspended due to certain violations, you’ll need to file an SR-22 to reinstate your driving privileges in Texas.
How do I get rid of an SR-22 in Texas?
Once the SR-22 requirement is no longer needed, your insurance provider can remove it. You’ll need to maintain continuous coverage for the required period, usually two years.
How long is SR-22 required in Texas?
SR-22 insurance in Texas is typically required for two years, but it may vary depending on the offense.
How do I find out when my SR-22 expires in Texas?
You can check the expiration date of your SR-22 by contacting your insurance provider or the Texas DMV. Typically, the SR-22 requirement lasts for two years, but the exact duration depends on your situation.
Read More: Vehicle Registration Fees by State
Why would you need an SR-22 in Texas?
You may need an SR-22 in Texas if you’ve committed serious driving violations, such as DUI/DWI or reckless driving, or if your license has been revoked due to insurance issues.
How do I file an SR-22 in Texas?
To file an SR-22 in Texas, contact your insurance provider, who will submit the form to the Texas Department of Motor Vehicles (DMV) on your behalf. (Learn More: Worst States for DMV and DOT Data Breaches)
Why is Texas insurance so high?
Texas insurance rates are high due to frequent accidents, severe weather events like hurricanes and hail, rising medical costs, expensive vehicle repairs, and legal expenses from lawsuits. These factors drive up claims, increasing premiums across the state.
Read More: Why does auto insurance vary from state to state?
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.