Texas SR-22 Auto Insurance

If you need an SR-22 to get car insurance in Texas, you're not the only one. This relatively routine legal requirement is triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license.

Finding cheap auto insurance with a SR-22 in Texas might require some research, but it could pay off in the end. We analyzed how much money a SR-22 usually costs in Texas and how to request one — let's dive into the details.

How much does an SR-22 cost in Texas?

Insurance with an SR-22 in Texas is often expensive. This isn't a result of the SR-22 itself — typical filing fees run just $15 to $35 — but a product of the insurance rate increases that come with the violation that necessitated the SR-22.

Car insurance companies bill higher-risk drivers more to account for the heightened risk of an accident. The rate increase you could face depends on the frequency and severity of the violations — below are average insurance premiums for drivers with SR-22s in Texas.

Rating factorAverage yearly rateIncrease vs. no violations
No violations$1,415
At-fault collision (>$2,000)$2,130$714
Speeding (21-25 mph > limit)$1,651$235
Reckless driving$2,159$744

If you’re looking for affordable car insurance with a SR-22, The Zebra is ready to assist. Enter your ZIP below to get personalized car insurance rates from leading insurance companies.

How to acquire an SR-22 in Texas

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file a SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

Methodology and data sources

The Zebra conducted comprehensive analysis via its proprietary quote engine, incorporating data from rating systems and public rate filings. The Zebra analyzed nearly 53 million rates to examine trends for specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact insurance costs.

Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver