What Is SR-22 Insurance and Why Do You Need It?

If you’ve been classified as a high-risk driver in Texas due to a DUI, reckless driving, or driving without insurance, you may need an SR-22 certificate to reinstate your driving privileges. An SR-22 is not insurance but a form filed by your insurer to prove you carry the state’s minimum liability coverage. At Loya Insurance, we make getting SR-22 insurance in Texas simple, with rates starting as low as $25 per month and same-day filing options.

In this article, we’ll explain SR-22 insurance, how Loya Insurance helps Texas drivers stay compliant, and tips to keep costs low. Ready to get back on the road? Enter your ZIP code below for a free SR-22 insurance quote!

Why Choose Loya Insurance for Affordable SR-22 Insurance in Texas?

Loya Insurance specializes in nonstandard auto insurance, making us a top choice for Texas drivers needing SR-22 filings. With over 700 offices across Texas and a focus on affordability, here’s why Loya stands out for affordable SR-22 insurance in Texas:

• Low-Cost Policies: SR-22 insurance starts at $25/month, including the filing fee, for minimum liability coverage.
• Same-Day SR-22 Filing: Get your SR-22 filed with the Texas DPS the same day you purchase your policy.
• Flexible Payment Plans: Low monthly payments with no large upfront costs make coverage accessible.
• High-Risk Driver Expertise: Loya supports drivers with DUIs, accidents, or lapsed coverage, ensuring you meet Texas requirements.
• Local Agents: Visit one of our offices in Houston, El Paso, San Antonio, or other Texas cities for personalized service.

Many drivers end up needing SR-22 after violations that raise premiums quickly. If you’re trying to understand why your rate changed (or how long it might stay high), this guide on how driving violations affect high-risk auto insurance can help you set realistic expectations.

Whether you need SR-22 insurance for a short period or long-term coverage, Loya Insurance offers tailored solutions to fit your budget.

Understanding SR-22 Insurance Requirements in Texas

Texas requires drivers with certain violations to carry an SR-22 certificate for a minimum of two years, though this can vary based on your case. The SR-22 verifies that you maintain at least the state’s minimum liability insurance:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury
• $25,000 for property damage

Without an SR-22, you risk license suspension or other penalties. Loya Insurance simplifies the process by:

• Providing affordable liability policies that meet Texas standards (see Loya liability car insurance for what minimum protection usually includes).
• Filing the SR-22 form with the Texas Department of Public Safety (DPS) on your behalf.
• Offering ongoing support to ensure continuous coverage, as any lapse can restart the SR-22 requirement.

How to Get Affordable SR-22 Insurance in Texas

Securing affordable SR-22 insurance in Texas with Loya Insurance is quick and straightforward. Follow these steps to save money and stay compliant:

• Get your details ready (driver’s license, vehicle info, and violation history).
• Request a quote online or through an agent and confirm SR-22 filing is included.
• Pick the right liability limits to meet requirements and reduce financial risk.
• Choose a deductible/payment plan that you can realistically afford each month.
• Maintain continuous coverage to avoid restarting the SR-22 clock.

1. Request a Quote Online

Use Loya’s online tool to get a free SR-22 insurance quote in under 5 minutes. Enter your ZIP code and details about your driving history to compare rates. If you want a quick walkthrough of what insurers usually ask for, start with how to get a Loya car insurance quote.

2. Work with a Local Agent

Visit a Loya Insurance office in cities like Dallas, Austin, or Corpus Christi. Our licensed agents will customize a policy and handle your SR-22 filing.

3. Take Advantage of Discounts

Loya offers discounts to lower your SR-22 insurance costs:

• Continuous Coverage Discount: Maintain coverage for 6+ months to qualify.
• Safe Driver Discount: Avoid new violations to reduce premiums over time (learn more about safe driver insurance discounts and what typically qualifies).
• Multi-Car Discount: Insure multiple vehicles for additional savings.

4. Choose Minimum Liability Coverage

For the lowest rates, opt for a liability-only policy that meets Texas SR-22 requirements. Rates start at $25/month for many drivers. If you’re unsure what liability-only really covers, review Loya liability car insurance so you know what protection you’re actually paying for.

5. Maintain Continuous Coverage

Avoid lapses in your policy, as Texas requires uninterrupted SR-22 coverage. Loya’s flexible payment plans make it easy to stay current. If you’ve ever dealt with a lapse before, it helps to understand the real-world consequences described in consequences of driving uninsured, since penalties and reinstatement costs can add up fast.

What Makes Loya Insurance Different?

With decades of experience and a strong presence in Texas, Loya Insurance is committed to helping high-risk drivers get back on the road. Our 726+ offices across the state offer in-person support, and our online tools make it easy to manage your policy from anywhere. Loya’s focus on affordability means you won’t overpay for SR-22 insurance, even if you have a challenging driving record.

Customer feedback highlights Loya’s competitive pricing and helpful agents, though some note occasional delays in claims processing. To reduce surprises, ask about deductibles and what you would pay out of pocket after an incident—this overview of Loya insurance deductibles makes those tradeoffs easier to understand before you commit.

Local SEO: Find Loya Insurance Near You

Searching for “affordable SR-22 insurance Texas near me”? Loya Insurance has you covered with offices in key Texas cities, including:

• El Paso: Loya’s headquarters, offering fast SR-22 filings.
• Houston: Convenient locations for urban drivers.
• San Antonio: Affordable policies for Bexar County residents.

Find a local office through Loya’s website or Google Business listings. Our agents are ready to assist with SR-22 filings and answer your questions. If you’re comparing service options by city, you can also explore Fred Loya Insurance in Houston, Texas or see how coverage is discussed for major metros like auto insurance in San Antonio.

Why Act Now?

Driving without an SR-22 when required can lead to severe consequences, including license suspension, fines up to $1,000, or vehicle impoundment. Loya Insurance offers same-day SR-22 filings and affordable policies to help you stay legal and avoid penalties. Don’t delay—get covered today and drive with confidence.

Conclusion: Drive Legally with Loya’s Affordable SR-22 Insurance

Finding affordable SR-22 insurance in Texas doesn’t have to be stressful. Loya Insurance offers low-cost policies, same-day SR-22 filings, and personalized service to help you meet Texas requirements without breaking the bank. Whether you’re in Houston, El Paso, or a smaller Texas town, our local agents and online tools make it easy to get started.

Enter your ZIP code below to compare SR-22 insurance quotes and save with Loya Insurance today!