Texas SR-22 Auto Insurance

The Zebra
Nov. 16, 2018

If you need an SR-22 to get car insurance in Texas, you're not alone. This relatively common insurance requirement is sometimes necessary after a driving citation like a DUI, a driving-without-insurance citation, an at-fault collision, a citation for driving with a suspended license, or accruing excessive license points.

Finding affordable insurance with an SR-22 in Texas might not be easy, but it could pay off in the end. The Zebra examined how much money a Texas SR-22 typically costs and how to get one — let's dive into the details.

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How much does an SR-22 cost in Texas?

Insurance with an SR-22 in Texas can be costly. This isn't because obtaining the SR-22 certificate is expensive — filing fees usually total $15 to $35 — but thanks to the insurance rate increases caused by the citation that prompted the SR-22 requirement.

Auto insurance companies bill risky clients higher rates on account of the increased risk of claims payouts. The price increase you’ll face will depend on the frequency and severity of infractions — below are average car insurance rates for motorists with SR-22s in Texas.

High-risk rating factorAverage annual rateIncrease vs. no violations
No citations$1,809.62
At-fault crash (>$2,000)$3,221.00$1,411.38
Speeding (21-25 mph > limit)$1,889.76$80.14
Reckless driving$2,540.97$731.35
Leaving the scene of an accident$3,121.00$1,311.38

If you'd like to find affordable car insurance with an SR-22, we are here to help. Enter your ZIP below to find individualized car insurance quotes from popular insurance companies.

How to get an SR-22 certificate in Texas

For currently insured drivers:

If you already have auto insurance, requesting an SR-22 certificate should be easy enough. Call your auto insurance company and request it file an SR-22 request on your behalf. If your current insurer won't request a certificate, you should shop around for a new insurance company.

If you're currently uninsured:

When filing for car insurance, you might need to pay extra to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 may keep you from being insured by some carriers, while others may happily sell you a policy.

If you aren't a vehicle owner:

If you don't own a vehicle, getting an SR-22 can be difficult, as you will need to show proof of insurance to get a certificate. If this is the case, you should apply for a non-owners auto insurance policy before filing an SR-22 request. Non-owners auto coverage is often less expensive than traditional coverage since it won’t provide protection for physical damages to your automobile.


Between September and December 2017, The Zebra conducted car insurance price analysis via our proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra analyzed almost 53 million rates to examine trends for car insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

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