In Lubbock, Texas, you’ll need SR-22 insurance after serious traffic offenses like DUI/DWI, driving without insurance, or accumulating excessive points. It’s not a type of insurance but a form filed by your insurance company with the Texas Department of Public Safety (DPS) to prove you carry the state’s minimum liability coverage: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Your driving record greatly influences SR-22 insurance rates, and costs can range from $75 to $150 monthly for liability-only coverage. To find the best deals and understand how SR-22 works, it’s crucial to explore the specifics and compare quotes from different providers.
Understanding SR-22 in Texas

Understanding SR-22 in Texas starts with recognizing its purpose: it serves as a certificate proving you have the necessary liability insurance to meet state minimum requirements.
Fundamentally, an SR-22 is a form filed by your insurance company with the Texas Department of Public Safety (DPS) that confirms your compliance with Texas’s financial responsibility laws.
The need for an SR-22 often arises from serious traffic offenses, such as driving under the influence (DUI/DWI), driving without valid insurance, or having your license suspended or revoked.
The SR-22 guarantees that high-risk drivers maintain adequate insurance coverage, meeting the minimum liability insurance requirements of $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident.
To obtain an SR-22, you’ll need to purchase an auto insurance policy that meets these minimum requirements.
Your insurance company will then file the SR-22 certificate with the DPS.
Reasons for Needing SR-22
Drivers often find themselves requiring an SR-22 due to serious traffic offenses that lead to a license suspension or revocation.
You’ll need SR-22 insurance if you’ve had your license suspended or revoked for reasons such as driving under the influence (DUI), reckless driving, or accumulating too many points on your driving record. Additionally, if you’ve been involved in an uninsured accident, had repeated traffic violations, or failed to meet court-ordered obligations like child support, an SR-22 will be required.
The SR-22 is a certificate of financial responsibility that proves you have the minimum liability insurance coverage required by your state.
It’s not an insurance policy itself but a form that must be filed with your state’s Department of Motor Vehicles (DMV) to reinstate your driving privileges. The duration you’ll need to carry an SR-22 varies by state, typically ranging from one to three years, and the costs can also differ depending on your insurance provider and specific circumstances.
How SR-22 Works

To reinstate your driving privileges after a license suspension or revocation, you’ll need to obtain an SR-22 form. This form is a certificate of financial responsibility that proves you have the minimum required auto liability insurance coverage in Texas.
It’s not insurance itself, but a document filed by your insurance company with the Texas Department of Public Safety (DPS) to verify that you meet the state’s insurance requirements.
After purchasing a policy that meets Texas’s minimum liability insurance requirements, your insurance provider will file the SR-22 form on your behalf. The minimum liability insurance in Texas includes $30,000 for bodily injuries per person and $60,000 for all bodily injuries to all persons in the vehicle.
You’ll typically need to maintain the SR-22 for about three years, although this can vary depending on the specific circumstances of your license suspension or revocation.
If your policy lapses during this period, your insurance company will notify the DPS, which could result in further suspension of your driving privileges. Ensuring continuous coverage is essential to avoid additional complications.
SR-22 Insurance Costs
Key factors influencing SR-22 insurance costs include:
- Driving Record: Your driving history plays a significant role in determining your SR-22 insurance rate. More serious infractions, such as DUIs or reckless driving, can lead to higher premiums.
- Type of Vehicle and Age: Newer and more expensive vehicles typically result in higher SR-22 insurance rates compared to older, less expensive vehicles.
- Location: Urban areas like Lubbock often have higher SR-22 insurance rates compared to rural areas.
In Texas, the average cost for liability-only SR-22 insurance can range from $75 to $150 per month.
Additionally, the SR-22 filing fee itself can vary between $15 to $50.
Comparing quotes from multiple providers can help you find the best deal, but it’s crucial to take into account these factors when evaluating the cost of SR-22 insurance.
Factors Affecting SR-22 Rates

Across Texas, various elements come into play when determining SR-22 insurance rates, and understanding these factors is essential to navigate the costs effectively.
Your driving history is a vital factor that affects SR-22 insurance rates. If you have a DUI or other severe traffic violations, you can expect higher premiums because insurers view you as a high-risk driver. The severity of your infractions, such as the number of DUIs or reckless driving charges, also impacts your rate.
Additionally, your age and experience level play a role; younger drivers or those with limited driving experience typically pay higher SR-22 insurance rates.
The insurance company you choose also influences your SR-22 rates. Different providers offer varying rates for SR-22 insurance, so comparing quotes from multiple companies is indispensable to find the best deal.
Moreover, your geographic location within Texas affects your rates, as costs can differ considerably from city to city.
Finding Affordable SR-22 Insurance
While finding affordable SR-22 insurance can seem challenging, it becomes more manageable when you understand the factors that affect your rates and shop around for the best quotes. Your driving record, the type of vehicle you drive, and where you live are just some of the factors that influence your SR-22 insurance costs.
As a result, it’s vital to take these factors into account when searching for an affordable plan.
To find affordable SR-22 insurance in Lubbock, Texas, focus on these three strategies:
- Shop around for quotes: Get quotes from multiple insurance companies to find the best rate for your situation. Different providers offer varying rates based on their assessment of your risk level and coverage needs.
- Optimize your coverage limits: Tailor your coverage to meet the minimum legal requirements while considering your financial needs. Higher coverage limits can increase your premium, but they also provide additional protection.
- Leverage discounts: Ask about discounts such as defensive driving courses, multi-policy discounts, or loyalty rewards to reduce your SR-22 insurance costs. Every small saving can make a significant difference over time.
SR-22 Requirements and Duration

When maneuvering the complexities of SR-22 insurance in Lubbock, Texas, understanding the specific requirements and duration is essential.
You’ll need to familiarize yourself with the state’s minimum liability coverage requirements: $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage.
The duration for which you must carry SR-22 insurance in Texas typically lasts for two years from the date of your conviction or the date of the crash.
This means you’ll need to maintain continuous coverage throughout this period to avoid further penalties, such as the suspension of your license and vehicle registration.
It’s vital to choose an insurance provider that offers SR-22 filings and to compare rates from multiple companies to find the best deal.
Conclusion
In Texas, SR-22 insurance is a requirement for many drivers who’ve had their licenses suspended or revoked due to serious traffic violations. You’ll need to secure an SR-22 certificate from an approved insurance provider. On average, liability-only SR-22 insurance costs $75 to $150 per month, but this can jump to $88 per month after a DUI, which is 72% higher than with a clean record. Comparing quotes from various insurers can help you find more affordable rates.