Cheapest SR-22 Insurance in Texas for 2024 (Top 10 Low-Cost Companies)
State Farm, Geico, and Progressive are the cheapest SR-22 Insurance in Texas, with plans starting at just $33 per month. State Farm offers local agent support, Geico provides competitive online rates, and Progressive offers unique discounts, making them the top choices for the cheapest SR-22 insurance in Texas.
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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 18, 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 18, 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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Min. Coverage for SR-22 in Texas
A.M. Best Rating
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13,128 reviews
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 top providers offering affordable SR-22 options, including discounts for safe drivers. We also highlight how to secure cheap full coverage auto insurance, giving you the best value and savings while meeting Texas’ SR-22 requirements. Stay informed and find the right coverage for your needs.
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 Agent State Farm
#2 $39 A++ Competitive Rates Geico
#3 $45 A+ Various Discounts Progressive
#4 $49 A Customizable Coverage Safeco
#5 $51 A Personalized Service Farmers
#6 $57 A+ SmartRide Program Nationwide
#7 $60 A Flexible Payment The General
#8 $65 A Unique Coverage American Family
#9 $66 A Multi-Policy Discounts Liberty Mutual
#10 $75 A+ Many Discounts Allstate
Enter your ZIP code into our free quote tool above 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: Best for Local Agent Support
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; they offer cheap auto insurance for high-risk drivers among Texas providers.
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: Best for Competitive Rates
Pros
- Military Benefits: Special SR-22 insurance rates for Texas service members at $39 monthly.ART
- Federal Employee Perks: Exclusive SR-22 coverage discounts for Texas government workers. (Read More: Cheap Auto Insurance for Government Employees)
- 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 qualification 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? They have flexible SR-22 premium payment plans for Texas customers.
Cons
- Higher Full Coverage: 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: Best for Customizable Coverage
Pros
- Coverage Flexibility: Tailored SR-22 insurance packages for different Texas driving needs.
- RightTrack Program: As mentioned in SafeAuto auto insurance review, Texas SR-22 premium reductions through monitored safe driving.
- Claims-Free Benefits: Special SR-22 discounts for Texas drivers maintaining clean records.
Cons
- Limited Accessibility: Fewer direct service options for Texas SR-22 insurance holders.
- Price Variations: SR-22 rates fluctuate significantly across different Texas regions.
#5 – Farmers: Best for Personalized Service
Pros
- Dedicated Agents: Specialized SR-22 insurance guidance for Texas high-risk drivers.
- Safety Features Discount: Farmers auto insurance review highlights the company’s SR-22 premium reductions for Texas vehicles with 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 in Texas.
- Coverage Restrictions: Limited SR-22 policy customization options for Texas drivers.
#6 – Nationwide: Best for SmartRide Program
Pros
- Usage Monitoring: SmartRide reduces Texas SR-22 rates based on driving habits.
- 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.
Cons
- Premium Costs: Higher minimum SR-22 coverage rates at $57 for Texas drivers.
- Technology Required: SmartRide program needs specific devices for Texas SR-22 discounts.
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#7 – The General: Best for Flexible Payment
Pros
- Payment Plans: As mentioned in The General auto insurance review, they have multiple SR-22 premium payment options for Texas drivers.
- High-Risk Acceptance: Specialized in Texas SR-22 coverage for challenging cases.
- 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: Best for Unique Coverage
Pros
- KnowYourDrive: Texas SR-22 premium discounts through driving behavior monitoring.
- Coverage Innovation: Unique SR-22 insurance add-ons for Texas policyholders.
- Teen Driver Focus: American Family auto insurance review includes special SR-22 programs for young Texas high-risk drivers.
Cons
- Higher Rates: SR-22 minimum coverage starts at $65 in Texas.
- Regional Limitations: Coverage availability varies across Texas service areas.
#9 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
- Bundle Savings: Significant Texas SR-22 discounts when combining multiple policies.
- Prior Coverage Credit: SR-22 rate reductions for Texas drivers with insurance history.
- Student Benefits: Special SR-22 rates for Texas students with good academic records, thanks to their good student auto insurance discounts.
Cons
- Price Point: Higher SR-22 insurance rates at $66 for Texas minimum coverage.
- Service Areas: Limited coverage options in certain Texas regions.
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#10 – Allstate: Best for Many Discounts
Pros
- Discount Variety: Multiple SR-22 insurance savings opportunities for Texas drivers.
- Safe Driver Bonus: As mentioned in the Allstate auto insurance review, they have additional SR-22 premium reductions for Texas accident-free records.
- New Vehicle Savings: Special SR-22 rates for Texas drivers with newer cars.
Cons
- Premium Costs: Highest SR-22 minimum coverage rates at $75 in Texas.
- Coverage Complexity: Intricate SR-22 policy terms for Texas insurance holders.
Affordable SR-22 Insurance Options in Texas
If you need SR-22 insurance in Texas, it’s important to know how much different companies charge each month and what kind of coverage they offer.
Compare rates from multiple providers, as minimum coverage can be significantly cheaper than full coverage, offering substantial savings.Kristen Gryglik LICENSED INSURANCE AGENT
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
Ensure you meet the Texas minimum auto insurance requirements while securing affordable coverage. By comparing options from providers like Allstate, Farmers, and Liberty Mutual, you can find the best rates for your needs.
Top Discounts to Save on SR-22 Insurance in Texas
Finding affordable SR-22 insurance in Texas can be a challenge, but taking advantage of available discounts can help lower your auto insurance premium.
We’ve compiled a list of the top providers and the discounts they offer, such as auto insurance discounts for good drivers, to make your search easier.
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
If you want to save big on SR-22 insurance in Texas, check out the different discounts that the best providers offer. Whether you’re a good driver or sign up early, these deals can really help lower your auto insurance costs.
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Final Thoughts: Cheapest SR-22 Insurance in Texas
If you’re looking for affordable SR-22 insurance in Texas, State Farm, Geico, and Progressive are your best bets. Each has its own perks. 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 below.
Frequently Asked Questions
What is SR-22 insurance in Texas?
SR-22 insurance is a certificate of financial responsibility required for high-risk drivers in Texas. It verifies that you have the minimum liability coverage as mandated by the state.
Do I need an SR-22 to reinstate my license in Texas?
Yes, if your license has been suspended due to certain violations (like DUI), 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 2 years.
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How long is SR-22 required in Texas?
SR-22 insurance in Texas is typically required for 2 years, but it may vary depending on the severity of your offense. You must maintain it without interruption during this period.
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)
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.
What company has the cheapest SR-22?
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.
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 2 years, but the exact duration depends on your situation.
Read More: Vehicle Registration Fees by State
What is an SR Suspension in Texas?
An SR suspension in Texas occurs when you fail to meet financial responsibility requirements, such as driving without insurance or not providing proof after certain violations. To reinstate your license, you may need to file an SR-22 form.
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?
Is Allstate cheaper than Geico?
Geico typically offers cheaper premiums than Allstate in Texas. For example, Geico’s minimum coverage rates are often lower, but individual factors like driving history and location can impact pricing.
What type of vehicle insurance coverage is required in Texas?
Texas drivers need to follow Texas minimum auto insurance requirements and carry minimum liability insurance of $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage, known as 30/60/25 coverage.
Who has the cheapest car insurance for a 22-year-old?
USAA offers some of the cheapest rates for 22-year-olds in Texas, but eligibility is limited to military families. Progressive and Allstate are competitive options for non-military drivers.
What is the cheapest full coverage insurance in Texas?
Texas Farm Bureau provides some of the cheapest full coverage policies in Texas. Rates vary by individual factors like driving history and location.
How much is the Texas driver’s license reinstatement fee?
Reinstating a suspended Texas driver’s license typically costs $125. Additional fees may apply depending on the specific reason for suspension.
Read More: Does a suspended license affect auto insurance rates?
What is the cheapest car insurance for seniors in Texas?
USAA often provides the lowest rates for seniors in Texas. Other affordable options include Geico and Texas Farm Bureau.
What insurance company has the lowest rates in Texas?
USAA generally has the lowest rates in Texas, followed by Geico and State Farm. Eligibility and pricing depend on factors like age, driving record, and location.
How do you know if you need an SR-22 or FR-44?
You need an SR-22 or FR-44 if required by a court or state law, often after serious offenses like DUIs or driving without insurance. Texas primarily uses SR-22 for high-risk drivers.
What happens to your SR-22 in Texas if you move?
If you move out of Texas, your SR-22 filing remains in effect until the state’s requirement period ends. Notify your insurer to ensure compliance with both states’ regulations.
Our free online comparison tool (above/below) allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
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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.