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Cheap DUI Car Insurance in Texas (With Quotes)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Jeanette Wisniewski
Written by
Jeanette Wisniewski
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Written by
Jeanette Wisniewski
Insurance Writer
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.
John Leach
Edited by
John Leach
Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 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.

CarrierAvg. Monthly Cost 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.
AssuranceAmerica$189
Bristol West$191
Elephant.com$191
Apparent Insurance$202
American Family Insurance$210
Nationwide$221
Kemper$221
Aggressive Insurance$223
Dairyland Insurance$229
Travelers$230

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.

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

No Violation - Avg. Monthly Rate 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.After DUI - Avg. Monthly Rate 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.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.

Texas After DUI Avg. Monthly Rate 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.Most Expensive State for DUI (1-50)
$38921st

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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

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. See All Auto Insurance Companies

FAQs - Texas Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jeanette Wisniewski
Written by
Jeanette Wisniewski

Insurance Writer

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.