Best Cheap Auto Insurance for Drivers Requiring a SR22 in Texas

When shopping for cheaper insurance for high risk drivers, one of the many criteria that helps insurance companies calculate the amount you pay each year for auto insurance is your zip code in Texas. Areas with increased crime or more people like McAllen, Dallas, and Amarillo tend to pay more, whereas less populated areas generally pay less for insurance.

The next table ranks the highest-priced places in Texas for drivers requiring a SR22 to purchase auto insurance in.

Price information shown is approximated as the specific zip code location can affect premiums considerably.

Cost and performance of the vehicle you are trying to insure is one of the main factors when comparison shopping for the lowest-priced coverage for drivers requiring a SR22. Vehicles with economical engines, advanced safety features, or a track record of few liability claims will cost much less to insure than fast, unsafe models. The information below presents coverage costs for some of the most budget-friendly vehicles to insure.

Prices based on single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific location which can influence premium rates significantly.

Data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can lower or raise prices substantially.

Prices based on single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can revise insurance rates substantially.

Deciphering which companies have the most affordable insurance rates for drivers requiring a SR22 takes more work than just comparing rates from one or two companies.

Each company has their own process for determining rates, so we’ll go over the most affordable insurance companies in Texas. It’s important that you understand Texas insurance rates are calculated based on many things that can increase the policy premium. Getting older, increasing liability limits, or getting a DUI can trigger changes in premium that can cause some rates to be affordable when they were higher priced.

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Travelers may have some of the most affordable car insurance rates in Texas at around $1,052 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheaper Texas car insurance companies.

As shown in the rates above, if you currently have a policy with USAA and switched to Travelers, you might realize a yearly price reduction of around $43. Policyholders with Texas Farm Bureau could save as much as $195 a year, and Germania Mutual policyholders might realize rate reductions of up to $230 a year.

Understand that those estimates are averaged for all insureds and vehicles and and are not calculated with a rate surcharge for drivers requiring a SR22. So the insurer that fits your needs best may not even be featured in the list of companies shown earlier. That helps illustrate why you need to quote rates from many companies using your own driver data and vehicle information.

Is the best company Allstate, State Farm, Progressive, or Geico?

When shopping around for car insurance, the four most popular companies are Allstate, State Farm, Progressive, and Geico. If you put them all together, they insure about half of the car insurance market in the United States. The data below breaks down some of the ratings and options offered by each one.