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 affordable 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.

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.
• 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:

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.

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.
• 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.

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.

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 ensure a smooth experience, review your policy details with your agent and keep open communication.

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.

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!