How Much is Houston SR22 Auto Insurance Coverage
Q: What is Houston SR22 auto insurance and how much is required?
A: When your driver’s license is suspended in Texas, here are certain consequences in the form of higher car insurance requirements which you must hold for two years after the date of your license’s first suspension. This special requirement is called an SR22 certificate or bond. It must be filed by your car insurance company with the Texas DPS if you want to have your driver’s license’s reinstated.
SR22 car insurance is costly, and although you don’t have to have more coverage than usual, you are required to keep paying on it and will be caught immediately if you fail to continue being insured. If you don’t pay your premium on time, your coverage will be canceled and your driver’s license suspended (again) along with it.
As for the required minimum car insurance for an SR22 insurance policy in Houston according to Texas DPS.
$75,000 total coverage
$40,000 bodily injury per occurrence / $20,000 per person
$15,000 property damage coverage
One of the best ways to lower your rates on any kind of car insurance is to raise your deductible amount to the highest level you can. So if you have a $1,000 deductible and you are a safe claim free driver the last few years you could save a lot of money.
You only pay the deductible amount when you have a claim, and the claim is paid by YOUR carrier.
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