If you’ve been told you need SR22 insurance in Texas, the first thing you’re probably wondering is:
“How much is this going to cost me?”
That’s a fair question. Many Texans assume SR-22 automatically means extremely high insurance rates. While it can increase your premium, the good news is that affordable options still exist, especially if you don’t own a car.
In this guide, we’ll explain how much SR22 insurance costs in Texas, what factors affect your rate, smart ways to save money.
What Is SR22 Insurance?
Let’s clear up a common misunderstanding first.
SR-22 is not a type of insurance policy. It’s a certificate of financial responsibility that your insurance company files with the Texas Department of Public Safety (DPS). This form proves you carry the minimum liability coverage required by Texas law.
You may need SR22 if you:
- Were convicted of a DUI or DWI
- Drove without insurance
- Accumulated too many traffic tickets
- Caused an accident while uninsured
- Had your license suspended or revoked
Once ordered, you must maintain SR-22 filing for a set period—usually two years.
How Much Is SR22 Insurance in Texas?
The average cost of SR22 insurance in Texas varies based on your driving history, location, age, and whether you own a vehicle.
ypical Monthly Costs
| Policy Type | Average Monthly Cost |
| Non-owner SR-22 | $25 – $45 |
| Owner SR-22 | $65 – $150 |
SR-22 filing fee: Usually $15–$25 (one-time)
If you don’t own a car, cheap non-owner SR22 insurance in Texas is usually the most budget-friendly choice.
What Factors Affect Your SR22 Cost?
Your SR22 insurance rate may increase if you have:
- DUI/DWI convictions
- Reckless driving charges
- Multiple traffic violations
- At-fault accidents
- Gaps in insurance coverage
You may qualify for lower rates if you:
✔ Maintain continuous coverage
✔ Choose minimum liability limits
✔ Avoid new violations
✔ Compare multiple insurance carriers
✔ Work with high-risk specialists
Shopping around is the best way to find the cheapest SR22 insurance in Texas.
Texas Minimum Liability Requirements
Texas law requires all drivers to carry:
| Coverage Type | Amount |
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $25,000 |
This is commonly called 30/60/25 coverage.
Your SR22 policy must meet or exceed these limits.
Non-Owner vs Owner SR22 (Cost Comparison)
| Feature | Non-Owner SR22 | Owner SR22 |
| Owns a car | ❌ No | ✅ Yes |
| Monthly cost | Lower | Higher |
| Covers borrowed cars | ✅ Yes | ❌ No |
| Covers your own car | ❌ No | ✅ Yes |
| Risk level | Lower | Higher |
| Best for | Drivers without cars | Car owners |
If you don’t own a vehicle, non-owner SR22 can save you hundreds per year.
Scenario #1: Orange, Texas
James from Orange, TX lost his license after a DWI. He sold his truck to pay legal fees but still needed to file SR22.
Cost:
James purchased cheap non-owner SR22 insurance in Texas for $32 per month.
Result:
- License reinstated
- Legal to drive rental cars
- Saved over $800 per year compared to an owner policy
James was able to stay compliant without overpaying.
Scenario #2: Beaumont, Texas
Maria from Beaumont, TX was caught driving uninsured. The court ordered SR22, but she regularly borrows her sister’s car.
Cost:
She found a non-owner SR22 policy for $28 per month.
Result:
- Same-day DPS filing
- Covered when borrowing a car
- Avoided paying for coverage she didn’t need
Maria saved money while staying legal.
How to Get Cheap SR22 Insurance in Texas
Follow these expert tips:
- Compare multiple insurance companies
- Choose minimum required coverage
- Avoid missed payments
- Drive safely going forward
- Work with SR22 specialists
At Smart Insurance, we compare providers to help you find cheap SR22 insurance in Texas, even if other companies have denied you.
Can I Drive Legally with SR22?
Yes, as long as:
- Your policy stays active
- SR-22 remains filed with DPS
- Payments stay current
⚠ If your policy lapses, DPS is notified automatically, and your license can be suspended again.
What Happens If My Policy Cancels?
If your coverage ends:
- SR-22 filing removed
- License suspended
- Reinstatement fees apply
- SR-22 timeline resets
Never miss payments. Even a one-day lapse can cause serious issues.
Can I Switch Insurance Companies?
Yes—but carefully:
- New SR22 must be filed before cancellation
- No coverage gaps allowed
- Let your agent manage the transfer
This prevents license suspension.
What If I Buy a Car Later?
You must:
- Upgrade to an owner SR22 policy
- Transfer the SR22 filing immediately
Driving your own car on a non-owner policy is illegal.
How Fast Is SR22 Filed?
With Smart Insurance:
- Same-day filing
- Electronic submission to DPS
- Instant proof of coverage
Most customers are compliant within hours.
How to Get SR22 Insurance Quotes in Texas
To receive accurate SR22 insurance quotes in Texas, you’ll need:
- Driver’s license number
- Violation details
- Court paperwork (if available)
- Vehicle info (if owner policy)
We help you find:
- Cheapest SR22 insurance in Texas
- Flexible monthly plans
- Fast approvals
Does SR22 Remove Violations?
No. SR22:
- Does NOT remove tickets
- Does NOT erase DUI
- Does NOT improve your record
However, maintaining insurance helps rebuild trust with companies and can lower rates over time.
Why Choose Smart Insurance?
- Texas SR22 specialists
- High-risk driver approvals
- Same-day filings
- Affordable payment options
- Local Texas expertise
We handle everything so you don’t stress.
Final Thoughts
So, how much is SR22 insurance in Texas?
It can be as low as $25 per month if you qualify for a non-owner policy. Your final price depends on your driving history, but affordable options are available.
Whether you’re in Orange, Beaumont, or anywhere in Texas, Smart Insurance makes the process fast, simple, and budget-friendly.
