For drivers with a DUI or DWI offense in Texas, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Texas. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Texas.
In Texas, a DUI or DWI offense will on average have drivers paying $389 per month and $4,668 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 54% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
If you've been charged with a DUI, you know it touches many aspects of your life—from your driving record to your relationships to your bank statement. But what about your insurance rates?
You're always better off having a clean driving record when it comes to keeping car insurance rates low. Drivers with a DUI on record pay $137 more per month in car insurance premiums than those without a DUI conviction in Texas. A single mistake can raise your insurance costs a whopping 54 percent, from $252 to $389. This eye-opening rate hike should be enough to make any motorist commit to making much better decisions behind the wheel next time.
|Average Percent Increase After DUI|
Though your car insurance rate can differ due to individual circumstances, the average rate for motorists in Texas with a DUI on their record is $389 a month to remain on the road. This makes Texas the 21st most expensive state for receiving a DUI relative to the rest of the country.
Taking your time to compare car insurance rates is probably the best decision you can make after adding a DUI to your record. You'll want to compare prices and products to maximize your coverage and discounts.
|Most Expensive State for DUI (1-50)|
The state of Texas has a lifetime lookback period for DUIs. This means that a DUI is on your driving record for life and will always be considered criminally along with other subsequent DUI offenses. However, car insurance companies only consider your DUI for the purposes of deciding your premium for a period of three to five years.
Lower insurance rates are all the more reason for you to keep a clean driving record after a DUI violation. While you can find adequate (but more expensive) coverage after a first offense, your insurance premium should decrease over time as long as you continue to make reliable driving decisions.
Though age, license type, and particular circumstances affect the penalties for a DUI in Texas, first-time offenders face up to 180 days in jail and up to $2,000 in fines. Additional restrictions include enrollment in alcohol education programs and the possibility of having an ignition interlock device put on your vehicle.
The state has made penalties for minors somewhat extreme, hoping that first-time offenders will take note at such an impressionable age and not make the same mistake twice. Minors can be charged as adults for their first DUI, including losing their license for up to a year. Felony charges can even be brought against minors charged with a third or subsequent DUI.
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.