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 27, 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 27, 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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A.M. Best Rating
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13,128 reviewsFor 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 and consistently reliable nationwide SR-22 insurance in Texas at $33 for minimum coverage.
- Face-to-Face Guidance: Local agents provide personalized and comprehensive expert SR-22 filing assistance across multiple Texas locations.
- Budget-Friendly Full Coverage: Full SR-22 coverage is available at $90/month, providing secure and dependable cheap auto insurance for high-risk drivers in Texas.
Cons
- Limited Online Tools: SR-22 filing in Texas requires direct agent interaction and cannot be completed independently online.
- Restricted Discount Options: Fewer SR-22 specific discounts compared to other Texas providers, especially for new customers.
#2 – Geico: Cheapest for Government Employees
Pros
- Federal Employee Perks: Exclusive and substantial comprehensive SR-22 coverage discounts for Texas government workers at all levels (Read More: Cheap Auto Insurance for Government Employees).
- Military Benefits: Special SR-22 insurance rates and exclusive savings for active and retired Texas service members at $39 monthly.
- Digital Experience: Streamlined and user-friendly efficient online SR-22 filing process for Texas drivers seeking convenience.
Cons
- Limited Local Offices: Not as many physical immediate service places to get help with Texas SR-22 insurance.
- Strict Policy Rules: Stringent and inflexible comprehensive SR-22 insurance requirements for Texas high-risk drivers with violations.
#3 – Progressive: Best for Various Discounts
Pros
- Snapshot Rewards: Usage-based comprehensive and personalized SR-22 insurance savings for Texas safe drivers.
- Professional Discounts: Special SR-22 rates and exclusive benefits for Texas business and organization members across industries.
- Multiple Payment Options: How do auto insurance payments work with Progressive? It has flexible and convenient SR-22 premium payment plans for Texas customers.
Cons
- Higher Full Coverage: Monthly SR-22 full coverage at $121 consistently exceeds the standard Texas market average.
- Complex Claims Process: Multi-step and time-consuming detailed SR-22 claims handling for Texas policyholders.
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#4 – Safeco: Cheapest Customizable Coverage
Pros
- Coverage Flexibility: Tailored and highly adaptable comprehensive 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 advanced monitored safe driving technology.
- Claims-Free Benefits: Special SR-22 insurance discounts and substantial rewards for Texas drivers maintaining consistently clean records.
Cons
- Limited Accessibility: There are fewer direct service choices and available local options for drivers with Texas SR-22 insurance.
- Price Variations: SR-22 auto insurance rates can vary greatly and unpredictably depending on where you are in Texas.
#5 – Farmers: Cheapest Personalized Service
Pros
- Dedicated Agents: Specialized and highly trained experienced SR-22 insurance guidance for Texas high-risk drivers.
- Safety Features Discount: Our Farmers auto insurance review highlights the company’s comprehensive SR-22 car insurance discounts for Texas vehicles with advanced modern safety equipment.
- Bundling Options: Multi-policy savings and additional flexible discounts are available with Texas SR-22 insurance plans.
Cons
- Higher Premiums: Full coverage SR-22 insurance consistently costs above average at $138/month in Texas.
- Coverage Restrictions: Limited SR-22 policy customization options and flexibility choices for Texas drivers.
#6 – Nationwide: Cheapest Family Plans
Pros
- Family Plans: Special comprehensive and flexible SR-22 insurance rates for Texas households with multiple registered drivers. (Read More: Cheap Auto Insurance for Families With Multiple Drivers)
- Accident Forgiveness: First-time accident protection and comprehensive coverage benefits for Texas SR-22 policyholders.
- Mileage-Based Discounts: Nationwide SmartMiles significantly reduces Texas SR-22 rates based on verified monthly mileage tracking.
Cons
- Premium Costs: Higher minimum Texas SR-22 insurance rates consistently remain at $57/month for most drivers.
- Technology Required: SmartMiles program needs specific modern tracking devices and smartphone compatibility 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 convenient and adaptable SR-22 premium payment options for Texas drivers.
- High-Risk Acceptance: Specializes in comprehensive SR-22 coverage and provides extensive support, helping high-risk drivers find coverage when they can’t find it at standard companies.
- Quick Processing: Rapid and efficiently managed SR-22 filing service for Texas license reinstatement procedures.
Cons
- Limited Discounts: Fewer SR-22 insurance savings opportunities and promotional offers available in Texas.
- Basic Coverage: Minimal extra features and customization options in Texas SR-22 insurance packages.
#8 – American Family: Cheapest Unique Coverage
Pros
- KnowYourDrive: Track and monitor detailed safe driving habits to get cheaper Texas SR-22 insurance premiums.
- Coverage Innovation: Unique and technologically advanced comprehensive SR-22 insurance add-ons for Texas policyholders.
- Teen Driver Focus: Our American Family auto insurance review includes special dedicated SR-22 programs and support for young high-risk drivers in Texas.
Cons
- Higher Rates: SR-22 minimum coverage consistently starts and remains at $65/month in Texas.
- Regional Limitations: SR-22 coverage availability and service options vary significantly across different Texas regions.
#9 – Liberty Mutual: Best Multi-Policy Discounts
Pros
- Bundle Savings: Significant and consistently reliable comprehensive Texas SR-22 discounts when combining multiple insurance policies.
- Prior Coverage Credit: SR-22 insurance rate reductions and loyalty rewards for Texas drivers who maintain their coverage.
- Student Benefits: Texas students with good academic records can enjoy special comprehensive SR-22 rates thanks to good student auto insurance discounts.
Cons
- Price Point: Higher SR-22 insurance rates consistently remain at $66/month for Texas minimum coverage requirements.
- Service Areas: Limited SR-22 coverage options and availability restrictions in certain Texas geographical regions.
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#10 – Allstate: Cheapest for New Cars
Pros
- New Vehicle Savings: Special comprehensive and technologically advanced SR-22 rates for Texas drivers with newer cars.
- Discount Variety: Multiple flexible and adaptable SR-22 insurance savings opportunities for Texas drivers.
- Safe Driver Bonus: Explore comprehensive accident-free and consistently maintained claims-free discounts on Texas SR-22 insurance in our Allstate auto insurance review.
Cons
- Premium Costs: The highest monthly SR-22 insurance rates consistently remain at $75 in Texas.
- Coverage Complexity: Intricate and sometimes confusing detailed SR-22 policy terms for Texas insurance holders.
Affordable SR-22 Insurance Options in Texas
We’ve compiled a list of the least expensive options from providers that offer the best SR-22 insurance in Texas 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 monthly 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
Texas Auto Insurance Insights
For drivers and insurers in Texas, it’s important to understand the most common types of auto insurance claims and their costs. The data below shows a strong pattern of accident types and their corresponding financial impact on the insurance industry.
5 Most Common Auto Insurance Claims in Texas
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $3,000 |
| Single-Vehicle Accidents | 25% | $4,500 |
| Intersection Crashes | 20% | $5,500 |
| Weather-Related Damage | 15% | $6,000 |
| Hit-and-Run Incidents | 10% | $7,200 |
Rear-end collisions account for 30% of claims but cost 48% less per claim than any other category. On the other hand, hit-and-run cases, though less common at 10%, are the most costly per claim at $7,200. Accident frequencies and subsequent insurance claims differ across Texas’s major metropolitan areas.
Texas Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Austin | 12,200 | 11,700 |
| Dallas | 18,500 | 17,800 |
| Fort Worth | 9,800 | 9,200 |
| Houston | 22,000 | 20,500 |
| San Antonio | 15,300 | 14,900 |
Houston has 22,000 accidents a year, followed by Dallas with 18,500. Major cities with the lowest accident rates are Fort Worth, with 9,800 incidents per year, and Dallas, with 12,000 accidents per year. Texas auto insurance providers are ranked for quality service and value for policyholders.
Texas Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Coverage Options | A | Wide range of policies tailored to diverse needs |
| Claims Processing | A | Quick response and efficient settlements reported |
| Customer Satisfaction | B | Positive feedback but varies by provider |
| Discount Availability | B | Competitive discounts compared to other states |
| Affordability | B | Premiums slightly above national average |
The assessment grades both coverage options and claims processing A. Although other categories receive B grades, Texas holds up well in auto insurance service overall.
Top Discounts to Save on SR-22 Insurance in Texas
Ask for discounts if you want to save big on SR-22 auto insurance in Texas. This is a list of insurance discounts from cheap auto insurance companies with SR-22 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 |
Multi-policy and safe driver discounts (20-25%), bundling, defensive driving, and paperless billing discounts offer the greatest discounts.
Texas Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Policy | A | 25% | State Farm, Allstate, Nationwide |
| Safe Driver | A | 20% | Geico, Progressive, Liberty Mutual |
| Bundling | B | 15% | Travelers, American Family |
| Defensive Driving Course | B | 10% | Allstate, USAA |
| Paperless Billing | C | 5% | Nationwide, Farmers |
Finding cheap SR-22 insurance in Texas can be tough, but taking advantage of available discounts and knowing where to find the best auto insurance rates 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 cheap SR-22 insurance. 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 to instantly compare quotes near you and get a cheap SR-22 in Texas.
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 SR-22 insurance costs in Texas 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, so it’s important to know where to get cheap Texas SR-22 insurance to reduce overall costs.
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. Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.
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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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.