One of the more important factors that aid in calculating insurance cost is your zip code. Cities with larger populations tend to have more expensive car insurance rates, whereas areas that tend to be more rural benefit from lower coverage costs.
The illustration below ranks the most expensive places in Texas for drivers requiring a SR22 to buy auto insurance in. Dallas ranks #3 having an annual price of $1,893 for coverage, which is around $158 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,908 |
| 3 | Dallas | $1,893 |
| 4 | Houston | $1,853 |
| 5 | Laredo | $1,851 |
| 6 | Mesquite | $1,825 |
| 7 | Grand Prairie | $1,811 |
| 8 | Garland | $1,796 |
| 9 | Amarillo | $1,786 |
| 10 | Pasadena | $1,758 |
| 11 | Beaumont | $1,754 |
| 12 | Irving | $1,736 |
| 13 | Lubbock | $1,733 |
| 14 | Arlington | $1,709 |
| 15 | San Antonio | $1,671 |
| 16 | Carrollton | $1,647 |
| 17 | Fort Worth | $1,621 |
| 18 | Austin | $1,610 |
| 19 | McKinney | $1,609 |
| 20 | Plano | $1,608 |
| 21 | Corpus Christi | $1,588 |
| 22 | El Paso | $1,584 |
| 23 | Waco | $1,522 |
| 24 | Abilene | $1,515 |
| 25 | Killeen | $1,488 |
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Rate quotes are comparative as the vehicle garaging location can alter prices noticeably.
The type of vehicle you are trying to insure is one of the biggest factors when quoting cheap insurance for drivers requiring a SR22. Vehicles with high performance features, poor crash test ratings, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models. The list below presents car insurance prices for the most economical vehicles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $4,458 |
| Honda Accord LX-P 4-Dr Sedan | $4,463 |
| Jeep Wrangler Sport 4WD 2-Dr | $4,582 |
| Ford Escape Limited 4WD | $4,753 |
| Toyota Prius | $4,804 |
| Toyota Tacoma 4WD | $5,045 |
| Dodge Grand Caravan Hero | $5,086 |
| Ford F-150 Lariat Super Cab 2WD | $5,132 |
| Ford Focus SE 4-Dr Sedan | $5,229 |
| Honda Odyssey EX | $5,231 |
| Volkswagen Jetta S 4-Dr Sedan | $5,282 |
| Toyota RAV4 Sport 4WD | $5,287 |
| Ford Edge Sport AWD | $5,313 |
| Chevrolet Malibu LT | $5,333 |
| Ford Explorer Limited AWD | $5,343 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $5,358 |
| Hyundai Elantra Blue 4-Dr Sedan | $5,470 |
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Above prices assume married female driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rate information does not factor in vehicle garaging location which can influence premiums greatly.
Based upon these rates, we can infer that cars like the Honda CR-V, Honda Accord, and Jeep Wrangler should be the most economical vehicles to insure for high risk drivers. The price for an auto insurance policy will be more expensive just due to the fact that there is more exposure for drivers requiring a SR22, but overall those vehicles will tend to have the least expensive rates available.
Finding a high-quality insurance company can be a challenge considering how many companies provide coverage in Dallas. The company rank data in the lists below may help you decide which car insurance companies to look at shopping prices with. The ratings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not factored into this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Dallas insurance rates
Insurers that provide policies for drivers requiring a SR22 may also give you discounts that may potentially lower prices by 40% or more if you meet specific criteria. A few popular companies and some of their more popular discounts can be read below.
- GEICO has discounts for membership and employees, daytime running lights, emergency military deployment, defensive driver, driver training, and good student.
- MetLife may offer discounts for claim-free, defensive driver, good student, accident-free, multi-policy, and good driver.
- Progressive policyholders can earn discounts including online quote discount, multi-vehicle, online signing, continuous coverage, good student, multi-policy, and homeowner.
- Travelers may have discounts that include student away at school, driver training, new car, IntelliDrive, and early quote.
- SAFECO includes discounts for teen safety rewards, anti-lock brakes, drive less, teen safe driver, homeowner, safe driver, and bundle discounts.
- AAA has savings for anti-theft, multi-car, multi-policy, good student, education and occupation, and AAA membership discount.
The chart below shows the difference between car insurance rates with and without discounts applied. Data assumes a male driver, one accident and two traffic tickets, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, paid-in-full, vehicle safety, passive restraint, multiple vehicle, and continuous coverage discounts applied. When drivers qualify for the discounts, the amount saved on insurance for drivers requiring a SR22 is 28% or $1,008.
The Dallas car insurance agencies listed below can most likely help you make a decision which is the best policy, since many consumers aren’t sure which coverage to buy and prefer to have some advice when buying car insurance for drivers requiring a SR22. It can be hard to find the best coverage on your own, so a licensed agent can give you comfort knowing your policy gives you suitable coverage if you ever need to use it.
To find a Dallas insurance agency by location nearest to you, click the button at the bottom.
Rodriguez Insurance Agency LLC
13111 N Central Expy Suite 8001 – Dallas, TX 75243 – (888) 797-1924
Marybel Castilleja – State Farm Insurance Agent
4444 W Jefferson Blvd Ste 620 – Dallas, TX 75211 – (214) 331-7680
Richard Ramirez – State Farm Insurance Agent
9400 N Central Expy #120 – Dallas, TX 75231 – (214) 320-3000
Find a Dallas, TX insurance agent near you
How to find budget-friendly insurance for drivers requiring a SR22
The list below shows a few thrifty solutions that can help you buy low-cost auto insurance.
- Increase your deductibles
- Maintain a clean driving record
- Clean up your credit
- Save money by staying claim-free
- Remain accident-free and save
- Buying your home and auto policies from the same company can earn a discount
- Comparison shop at least once a year
The final tip is extremely vital, as was affirmed in the prior information. Insurance prices can change considerably based on profitability, so drivers shouldn’t hesitate to buy from a different company if a better deal can be had. Having a favorite company is great, but is isn’t recommended if that devotion results in you overpaying money that could be spent on other things. It only takes a couple minutes to compare prices and find cheaper insurance for drivers requiring a SR22 in Dallas.