How much does SR22 insurance cost in Dallas?
Dallas drivers sometimes need to obtain SR-22 insurance after committing a serious traffic violation or getting DWIs (driving while intoxicated). The SR-22 form is required proof of insurance coverage that you will need to have in order to get your license reinstated eventually. Even if you don’t own a car, if you want your license back you’ll need the non-owner SR-22 insurance that costs a little less than an owner’s policy.
How Much More Does SR22 Insurance Cost In Texas?
Texas is already above the national average when it comes to insurance rates. The average cost of auto insurance in TX is $1,620 a year. Rate increases for a DWI or DUI are around 49% which would bring the average SR-22 insurance rate in Dallas to $2,414. If you’re looking for cheaper rates, the best thing to do is shop around and compare policies side by side.
To be clear, SR-22 insurance isn’t actually more expensive than regular insurance. Aside from a filing fee of up to $50, the rates are the same. The thing that drives up your cost is the major traffic violation which rates your base rate substantially. That would happen even if you did not obtain the SR-22 form.
More Information About SR-22 Insurance In Dallas Texas
An SR-22 insurance policy basically ensures that you have coverage that meets the minimum liability requirements set forth by the state. Some insurance companies will drop you if you become too risky and the state wants to make sure you have an up to date policy. Since you’re already in the legal dog-house, you’ll need this extra form (SR-22) to provide peace of mind to the state. The form itself is usually filed by the insurance company on your behalf. You will pay the filing fee for the paperwork which is typically less than $50.
Even if you don’t own your own car, if you have a license and you want it back after it’s been suspended, you’ll need to get a non-owner SR-22 policy.
The current limited liability minimums in Texas are:
$30,000 of bodily injury coverage per person injured in an accident
$60,000 of bodily injury coverage per accident
$25,000 of property damage coverage per accident
You’ll need to carry your SR-22 insurance for around 2 years at least even after getting your license back. If your policy lapses then the insurance company will notify the state and your license can be suspended again. Once you are no long court-ordered to carry the SR-22, you can notify your insurance company of the good news. If you fail to communicate with your insurance company, they will continue to file the SR-22 which will cost you more money.
In order to keep from having to deal with these expensive legal obstacles, makes sure to maintain a safe driving record. You can do this by driving at or under the posted speed limits, avoid distracted driving, and never drive after drinking alcohol or using drugs.