Cheap DUI Car Insurance in Texas:
Costs and Quotes (2022)

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Last Updated: January 2022

Best DUI Insurance Companies in Texas (2022)

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.

DUI Car Insurance Costs 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.

$252
$389
Avg. Monthly Cost - No ViolationAvg. Monthly Cost - After DUI
$137 ▴Monthly Impact of DUI on Rates
54.37% ▴Percent Bad DUI Impact Rates

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.

How Much Does a DUI Impact Car Insurance Rates in Texas?

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
$252$38954.37%

What Are the Average Car Insurance Prices After a DUI in Texas?

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)
$38921st

How Long Is the Lookback Period for a DUI in Texas?

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.

Texas DUI Penalties

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

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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.

FAQs - Texas Car Insurance

Why is car insurance so expensive in Texas?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Texas?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Texas. Insurify analyzed the latest data for the five most populous cities in Texas to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Texas?

The way to find the carrier with the best auto insurance ratings in Texas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in Texas?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.