The cost of SR22 insurance in Texas varies depending on several factors, including your driving history, the severity of your traffic violations, and the provider you choose. On average, SR22 insurance can cost more than regular car insurance due to the increased risk associated with drivers who require SR22 filing. However, it’s essential to understand that SR22 is not a separate policy; it’s a certificate added to your existing car insurance policy, which means the overall cost will depend on your base rates.
Understanding Why SR22 Insurance Is More Expensive
If you have a history of DUI, reckless driving, or multiple traffic violations, you may face higher rates due to the perceived risk. Additionally, insurance companies might charge extra for the administrative process of filing SR22 with the Texas Department of Insurance (TDI). Drivers should expect to pay at least 20% more on their premiums compared to regular insurance rates. For specific rates, sr22 insurance texas experts can provide estimates based on your unique situation.
Finding Affordable SR22 Insurance in Texas
While SR22 insurance can be costly, there are ways to reduce the cost. Shopping around and comparing quotes from different insurers can help you find the most affordable rates. You may also want to consider maintaining a clean driving record and improving your credit score, as these factors can help lower your premiums over time.