Estimates, not quotes

SR-22 insurance in Lubbock, TX

What an SR-22 costs in Lubbock, how Texas handles the filing, and how long it lasts.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Estimated cost in Lubbock

For comparison, a clean-record driver in their 30s pays about $665 for minimum coverage and $1,815 for full coverage in Lubbock by our estimate.

SR-22 insurance — estimated annual premium in Lubbock
SituationMinimum coverageFull coveragevs. clean record
After a speeding ticket$835$2,240+26%
After an at-fault accident$985$2,655+48%
After a DUI$1,255$3,385+89%

Texas rules that apply

Texas uses the SR-22. Your insurer files it electronically with the state; if the policy lapses, the insurer must notify the state, which can suspend your license again. Plan on keeping it for about 2 years. An SR-22 must be maintained for two years from the conviction (or crash judgment) that requires it; a lapse re-suspends the license.

Any policy you buy must meet Texas's minimum of 30/60/25 liability coverage.

All Texas car insurance rules →

How to lower the cost

  • Keep continuous coverage. A lapse, especially with an SR-22, restarts problems with the state and raises future prices.
  • Compare several insurers — companies weigh violations very differently, and some specialize in high-risk drivers.
  • Take a state-approved defensive-driving course where it earns a discount or removes points.
  • Consider higher deductibles or liability-only coverage on an older car to offset the surcharge.
  • Violations age off: most surcharges fade after three to five clean years.

Read our guide · Car insurance in Lubbock

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Insurance offices in Lubbock

There are 102 insurance offices listed near Lubbock. See the full list with directions on the Lubbock car insurance page.

  • William Lee Smith - Farmers Insurance 3410 Joliet Ave
  • StateFarm - State Farm
  • 24/7 Insurance 3210 34th Street
  • Farmers Insurance 3206 34th Street
  • Abelardo Tomas Mata - Farmers Insurance 4142 34th St
  • State Farm
  • Advanced Insurance
  • Fred Loya Insurance
  • Cassandra Nicole Hernandez - Farmers Insurance 3008 50th St
  • Alan Henry Insurance Agency 3405 19th Street
  • State Farm
  • Maria Valeriano

Frequently asked questions

How much does SR-22 insurance cost in Lubbock?

The SR-22 filing itself usually costs a small one-time fee; the real cost is the higher premium that follows the violation. We estimate about $1,255 a year for minimum coverage after a DUI in Lubbock, and $985 after an at-fault accident.

How long do you need an SR-22 in Texas?

Typically about 2 years from the date required, but the court or DMV order sets the exact period. An SR-22 must be maintained for two years from the conviction (or crash judgment) that requires it; a lapse re-suspends the license.

Can I get SR-22 insurance without a car?

Yes. A non-owner policy with an SR-22 filing covers you when you drive borrowed or rented vehicles and satisfies the filing requirement in most states that use SR-22.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page