Where to Get Cheap SR22 Insurance in Texas
So, you got yourself into an unpleasant situation where you need to find cheap SR22 insurance in Texas, and it’s probably a safe bet to assume that whatever got you into the situation was a costly one. Before taking to the busy Texas streets or shopping online for SR22 insurance quotes, it’s a good idea to understand what SR22 insurance is exactly.
If you’re in search for cheap SR22 insurance in Dallas or throughout Texas, you’ve come to the right place. Insured ASAP Insurance Agency provides cheap SR22 insurance quotes in minutes – Whether online or by phone!
Of course, it costs you nothing to get a free insurance quote. Get your free insurance quote 3 easy ways:
SR22 Insurance in Texas
An SR22 is proof of financial responsibility. You may also hear it called SR22 insurance, Certificate of Financial Responsibility or CFR. The SR22 policy was created to make it challenging for drivers considered high-risk to operate a vehicle without insurance.
Remember, it’s the law to carry liability insurance when driving a vehicle.
The Texas Department of Safety uses the SR22 insurance certificate for Texas residents to verify they have the state-required insurance. Texas’ Financial Responsibility law requires every driver to maintain liability limits of at least:
- $30,000 Bodily Injury per Person
- $60,000 Bodily Injury per Person
- $25,000 Property Damage
It is a requirement to provide proof of liability insurance, in the form of an auto insurance identification card, to the police during a traffic stop.
Once you are required to file an SR22, you will have to keep an SR22 insurance policy for two years. If you have to file, the filing period starts when you are first eligible for a restricted driver’s license.
Drivers may be considered high-risk if any of the following scenarios apply:
- They have been found driving without valid insurance
- They have been caught driving without a license or with an expired suspended or revoked license
- They have been caught driving while under the influence of drugs or alcohol
- They have been operating a vehicle with an expired license plates
Non Owner SR22 Insurance
Certain individuals may need SR22 insurance, but don’t own a vehicle. Non owners insurance is a liability only insurance policy designed for drivers who don’t own a vehicle, but need SR22 insurance. Generally, a non owners insurance policy can provide drivers with the cheapest form of SR22 insurance in Texas.
But, drivers who opt for non owners insurance need to be aware that this type of policy does not provide coverage for any vehicle, owned or not. It is important to understand that all vehicles on the road MUST be insured. In many states, including Texas, all vehicles need to be protected with adequate liability insurance.
How Long Do You Need SR22
In the State of Texas, SR22 insurance is generally mandated for a period of two (2) years. This is often times the case, but not always. It’s always a good idea to check your SR22 status with the Texas Department of Safety before making a decision.
How do you find out when it expires?
The TxDPS sends two letters when SR22 filing is complete:
- A letter is sent to you.
- A letter is sent to the company filing SR22.
Once you’ve completed your SR22 filing with the state, the insurance company that is filing your SR22 is required to remove the filing from your insurance policy.
How Much is SR22 Insurance in Texas?
In the great state of Texas, expect to pay close to $19 per month for non owner insurance with SR22 filing. Individuals who need to insure a vehicle pay about $31 per month for car insurance with SR22.
Where to Find Cheap SR22 in Texas
With so many insurance companies doing business in Texas, it can be difficult trying to determine which of those companies provide SR22 insurance filing. Then, once you narrow down your list and find a handful of insurance companies near you that do issue SR22 certificates, you will be looking at the most affordable option.
The best way to shop for SR22 insurance in Texas is to contact an insurance agency that works with insurance carriers that provide cheap SR22 insurance in Texas. These agencies do the “shopping” for you, and propose the best available insurance policy to you. Insured ASAP provides the cheapest SR22 insurance in Texas including the following cities:
- San Antonio
- Fort Worth
- El Paso
- Corpus Christi
Insured ASAP Will Help You Find Cheap SR22 Insurance in Texas
Remember, keeping a clean driving record, paying your bills on time, and the type of car that you drive can affect your insurance rates. If you are considered a problem driver, your rates may be higher than others on the road. But by working with top-rated insurance carriers, we can shop your policy to find the highest quality coverage at the lowest rates possible.