Best Car Insurance After a DUI in Texas (Top 10 Companies for 2024)
State Farm, Geico, and Amica offer the best car insurance after a DUI in Texas, with rates starting as low as $42 per month. State Farm provides many discounts, Geico offers customizable plans, and Amica is known for its excellent customer service, making them the top choices for affordable DUI coverage in Texas.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process ...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
19,116 reviewsCompany Facts
Full Coverage After a DUI in Texas
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
768 reviewsCompany Facts
Full Coverage After a DUI in Texas
A.M. Best Rating
Complaint Level
Pros & Cons
768 reviewsGet the best car insurance after a DUI in Texas with State Farm, Geico, and Amica, with rates starting at $42 monthly.
State Farm stands out with the most affordable premiums, while Geico and Amica offer robust coverage options tailored for high-risk drivers. (Read more: Best Safety Features Car Insurance Discounts).
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 14% | B | Many Discounts | State Farm |
 | #2 | 10% | A++ | Custom Plan | Geico |
 | #3 | 18% | A+ | Customer Service | Amica |
 | #4 | 12% | A+ | 24/7 Support | Erie |
 | #5 | 17% | A | Student Savings | American Family |
 | #6 | 15% | A | Online App | AAA |
 | #7 | 9% | A | Customizable Polices | Liberty Mutual |
 | #8 | 16% | A+ | Innovative Programs | Progressive |
 | #9 | 11% | A+ | Add-on Coverages | Allstate |
 | #10 | 19% | A | Local Agents | Farmers |
These companies have a balance cost, customer service, and the flexible policy features that to meet the needs of Texans who need the best DUI car insurance. For those focused on minimizing expenses without sacrificing coverage, these three insurers provide the best combination of price and protection.
Ready to shop around for the best car insurance DUI provider? Enter your ZIP code above and see which one shows the best car insurance DUI coverage you need.
- DUI drivers in Texas face higher rates but can still get affordable coverage
- State Farm offers the best DUI insurance in Texas, starting at $42 per month
- DUI policies often include higher liability limits for extra protection
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#1 — State Farm: Top Overall Pick
Pros
- Comprehensive Coverage: State Farm is excellent at providing a comprehensive coverage options for the best car insurance after a DUI in Texas, with starting rates at $55 per month.
- Low Monthly Rates: State Farm Insurance Review offers competitive monthly rates with installment payment options for DUI drivers.
- Bundling Policies: State Farm provides significant discounts for bundling auto and home policies, benefiting DUI drivers.
Cons
- Limited Multi-Policy Discount: State Farm’s multi-policy discount is lower compared to competitors for DUI drivers.
- Premium Costs: Despite discounts, full coverage premiums may still be relatively high for the best car insurance after a DUI in Texas.
#2 — Geico: Best for Custom Plan
Pros
- Affordable Plans: Geico Insurance Reviews offers a customized plan for the best car insurance after a DUI in Texas, with starting rates at $45 per month.
- Mobile App Features: Geico offers an apps for DUI drivers with easy access to manage policies and claims.
- Discount Programs: Geico provides multiple discounts for drivers with DUI drivers.
Cons
- Customer Service Concerns: Some of Geico DUI drivers report in customer service due to response times issues.
- Limited Agent Availability: Geico’s reliance on the online services, it means fewer of local agents are available for in-person support.
#3 — Amica: Best for Customer Service
Pros
- Top-Rated Customer Service: Amica offers outstanding customer service and the best car insurance after a DUI in Texas, starting rates at $86 per month.
- Claims Satisfaction: Amica is excellent at the handling claims, and they ensure the smooth processing of DUIs in Texas.
- No Hidden Fees: They offer transparency for the DUIs in Texas with no hidden fees. Read our guide, “Does Amica Mutual Insurance offer non-owner car insurance coverage?“
Cons
- Fewer Discounts: Amica offers fewer discounts than other providers, which affects DUI drivers.
- Limited Coverage Options: Amica’s policy options for DUI in Texas might be limited compared to those of other top providers.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#4 — Erie: Best for 24/7 Support
Pros
- Cheapest Rates: Erie offers the best car insurance after a DUI in Texas, with starting rates of $42 per month.
- Accident Forgiveness: Erie includes accident forgiveness programs for drivers with DUIs.
- Easy Claim Process: Erie also known for a hassle-free claims process, which makes a benefits in DUI drivers.
Cons
- Limited Availability: Erie’s coverage is only available in select regions, which could limit access for DUI drivers in Texas.
- Fewer Discounts: Erie may not offer as many discounts compared to larger competitors. See our guide “Bundling Home and Auto Insurance With Erie.“
#5 — American Family: Best for Student Savings
Pros
- Student Discounts: American Family offers student discounts on the best car insurance after a DUI in Texas, with minimum coverage starting at $72 per month.
- Personalized Service: American Family is known for personalized customer service, which DUI drivers can benefit from it by customizing their plans.
- Safe Driver Program: DUI drivers can benefit from the American Family’s Safe Driver program to lower rates.
Cons
- Limited Discounts: They offer a limited discount for DUI drivers compared to competitors offering the best car insurance after a DUI in Texas.
- Higher Rates for Full Coverage: Their full coverage rates for DUI drivers may exceed those of other providers. View our guide, “How to file a car insurance claim with American Family Insurance Company.“
#6 — AAA: Best for Online App
Pros
- Customizable Policies: AAA offers flexible and customizable options for the best car insurance after a DUI in Texas at a rate of $57/month for minimum coverage.
- 24/7 Roadside Assistance: AAA insurance reviews provide the hourly roadside assistance for DUI drivers.
- Membership Perks: AAA includes additional discounts and perks for members, benefiting high-risk drivers.
Cons
- Higher Premiums: Despite customizable plans, premiums for full coverage tend to be higher for the best car insurance after a DUI in Texas.
- Limited Availability: AAA auto insurance may not be available in all regions of Texas.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#7 — Liberty Mutual: Best for Customizable Policies
Pros
- Extensive Coverage Options: Liberty Mutual offers extensive add-ons for the best car insurance after a DUI in Texas at $119/month.
- Accident Forgiveness: Liberty Mutual provides accident forgiveness to DUI drivers.
- Customizable Policies: DUI drivers can customize their coverage with Liberty Mutual’s flexible policy options.
Cons
- High Premiums: Liberty Mutual’s rates for the best car insurance after a DUI in Texas are among the highest.
- Slow Claims Processing: Some customers report slow processing times, impacting DUI drivers. (Read more: Liberty Mutual Auto Insurance Review).
#8 — Progressive: Best for Innovative Programs
Pros
- Innovative Programs: Progressive offers a unique programs like Snapshot for DUI drivers seeking the best car insurance after a DUI in Texas at starting rate of $59 per month.
- Multiple Discounts: Progressive provides multiple discount options, including safe driving rewards for DUI drivers.
- Flexible Coverage: Progressive offers flexible coverage for customizing DUI drivers. Explore our guide “How do I appeal a car insurance claim with Progressive?“
Cons
- High Full Coverage Rates: Progressive’s full coverage premiums are higher than the best car insurance after a DUI in Texas.
- Mixed Customer Service Reviews: Some DUI drivers report inconsistent customer service experiences.
#9 — Allstate: Best for Add-on Coverages
Pros
- Comprehensive High-Risk Coverage: Allstate provides robust coverage for high-risk drivers with the best car insurance after a DUI in Texas at $120/month.
- Accident Forgiveness: Allstate offers accident forgiveness programs tailored for drivers with DUIs.
- Safe Driving Discounts: Allstate provides a rewards for DUI drivers who improve their driving behavior after a DUI conviction. Discover our guide, “How do I renew my car insurance policy with Allstate?“
Cons
- Higher Rates: Allstate charges some of the highest premiums for the best car insurance after a DUI in Texas.
- Customer Service Delays: Some customers report delays in resolving claims, which could be a drawback for DUI drivers.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#10 — Farmers: Best for Local Agents
Pros
- Local Agent Access: Farmers provide easy access to local agents for DUI drivers, offering the best car insurance after a DUI in Texas at $71/month.
- Multi-Policy Discounts: Farmers offer discounts for DUI drivers when bundling home and auto policies.
- Safe Driving Rewards: Farmers reward DUI drivers for improving their driving habits through safe driving programs.
Cons
- Higher Premiums for Full Coverage: Full coverage rates are higher for the best car insurance after a DUI in Texas.
- Limited Discounts: Farmers may offer fewer discounts to DUI drivers compared to competitors. Find out our guide, “Does Farmers Insurance offer roadside assistance?“
DUI Affects Your Car Insurance Rates in Texas
A DUI in Texas leads to higher car insurance premiums for drivers with DUIs, as insurers view these drivers as high-risk. State Farm, Geico, and Amica offer lower rates for cheap car insurance after DUI drivers, with minimum coverage starting at $42 per month, while Allstate and Liberty Mutual charge up to $120 or more. Look through our guide, “Will car insurance rates increase after a DUI?“
Texas DUI Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $57 | $148 |
| $120 | $323 |
| $72 | $195 |
| $86 | $283 |
| $42 | $107 |
| $71 | $191 |
| $45 | $120 |
| $119 | $320 |
| $59 | $159 |
| $55 | $149 |
The full coverage rates are also widely different. Geico and Erie offer the most affordable options at $120 per month and $107 per month, respectively. Allstate and Liberty Mutual have the highest monthly rates, exceeding at $320 per month. Shopping around can help DUI drivers find more affordable coverage.
Understanding DUI and Its Impact on Car Insurance
DUI, or “Driving Under the Influence,” is to operate a vehicle while damaged by alcohol or drugs. If you have a conviction, the best insurance can severely affect your car insurance for dual driver rates, as insurers view it as high-risk behavior that signals an increased chance of future accidents. Consequently, insurance premiums rise significantly after the best auto insurance with a DUI conviction.
Texas Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Austin | 1,000 | $850 |
| Dallas | 1,600 | $1,300 |
| Fort Worth | 800 | $700 |
| Houston | 1,800 | $1,500 |
| San Antonio | 1,200 | $1,000 |
A DUI is a criminal offense that happens when a driver exceeds the lawful blood alcohol content (BAC) limit, which varies by state. For instance, in Texas, the legal BAC limit is 0.08%. If a DUI driver’s BAC exceeds this dawn, they can charged for the best car insurance for someone with a DUI in Texas.
Understanding the legal limits and the seriousness of DUI offenses is essential, as these convictions result in legal consequences and long-term financial impacts, particularly on car insurance rates. View our guide, “How does a moving violation affect car insurance?”
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
How a DUI Affects Your Car Insurance Rates
A DUI conviction leads to higher car insurance rates due to increased risk. The best auto insurance providers for DUI drivers see DUIs as indicators of reckless behavior, making drivers more likely to file future claims. To account for this, insurers adjust premiums significantly, reflecting the added financial risk. (Read more: Why Auto Insurance Rates go up).
5 Most Common Auto Insurance Claims in Texas| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-end Collision | 28% | $4,500 |
| Single Vehicle Accident | 20% | $6,200 |
| Weather-related Damage | 18% | $5,800 |
| Animal Collision | 14% | $3,600 |
| Vandalism/Theft | 10% | $3,000 |
DUI driver in Texas is seeking auto insurance and has a DUI conviction, they should need an SR-22 certificate, which it is verifies that they have the required liability insurance. This SR-22 certificate is a commonly required for serious offenses like DUI in Texas. Insurers should charge a higher rates to drivers with an SR-22, as it highlights a higher risk profile, further raising premiums.
The effects of the best car insurance after DUI have increased in the last several years as insurers continue to assess risk. Drivers may also lose eligibility for discounts offered for clean driving records, compounding the increase. The extent of these impacts varies by location and insurer, so comparing coverage options is essential.
Texas DUI Laws and Penalties
In Texas, driving under the influence (DUI) carries serious legal consequences. For drivers aged 21 years old or older, it is forbidden to driving with a blood alcohol content (BAC) of 0.08% or higher. Even if you feel capable of driving, exceeding this limit can lead to the best insurance after DUI charges.
Car Insurance Discounts From the Top Providers After a DUI in Texas| Insurance Company | Savings Potential | Discount Program |
|---|---|---|
| 15% | Defensive Driver Discount |
| 11% | Early Signing Discount |
| 17% | Smart Home Discount |
| 18% | Loyalty Discount |
| 12% | Multi-Policy Discount |
| 19% | Bundled Insurance Discount |
| 10% | Good Student Discount |
| 9% | Accident-Free Discount |
| 16% | Paperless Billing Discount |
| 14% | Safe Driver Discount |
Texas implements with a no-tolerance policy for drivers under the age of 21 years old with a legal BAC limit of 0.02%. Commercial drivers face more strict regulations, as a noticeable amount of alcohol in their system can result in a DUI charge. Learn from our guide “First DUI: What you Should Know.”
Texas also has an implied a consent law it is means that drivers can automatically agree to chemical analysis for drunkenness when they receive a license. Refusing these tests can lead to direct license suspension and additional penalties.
Penalties for DUI in Texas
In Texas, DUI penalties vary based on prior convictions and the driver’s age. For a first-time offense, penalties can reach up to $2,000, and your driver’s license may be suspended for up to a year, severely affecting daily life.
Create a Personal Price Plan® and you could be inducted in the Hall of Bundles. 🏆 pic.twitter.com/vtcp3owWmY
— State Farm (@StateFarm) September 19, 2024
Repeated this offenses may result in more difficult penalties. A second-time in DUI belief can lead to penalties up to $4,000, with a longer license suspensions, mandatory community service, and maybe in jail time. These penalties it increase rapidly to discourage repeat violations and protect the public safety.
Understanding the DUI laws and penalties in Texas is crucial. They prioritizing the safety driving to make it habits to protects you and ensures the safety of others on the road. The reliable options about alcohol and driving are important to avoid legal consequences and reduce the risk of accidents.
Evaluating Car Insurance Companies After a DUI
When seeking car insurance after a DUI, it is essential to evaluate different insurance companies. Not all providers can handle the best auto insurance for DUI convictions similarly, so it’s essential to consider specific factors.
After a car insurance quote for a DUI conviction, finding then car insurance can be challenging. The insurance companies they typically look a DUI beliefs as the high-risk behavior, usually it is resulting in the increased insurance charged. Check our guide “Does auto insurance cover DUI accidents?”
Texas Report Card: Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Coverage Options | A | Most insurers offer diverse coverage options. |
| Discount Availability | A- | Various discounts are offered by major providers. |
| Overall Affordability | B+ | Premiums are moderately higher than the national average. |
| Customer Service | B | Customer satisfaction is generally good but varies. |
| Claims Processing | B- | Some delays in processing, but overall decent. |
However, each companies may have a financing guidelines, which they can vary when it assessing driving records. Some of insurance company may be specialize in difficult drivers and they can offer more low rates for those with the best insurance with a DUI conviction.
Factors to Consider When Choosing an Insurance Company
When choosing insurance companies, consider these factors:
- Experience & Reputation: Choosing an insurance company having a experienced with DUI convictions, it also known for agreement the legal and financial importance, and able to provide support and guidance.
- Customer Reviews: The customer reviews and ratings can give you a sense of the insurance company’s quality of service. Look for feedback from other drivers who have had DUI beliefs and see how their claims were handled.
- Coverage Options: The importantance to evaluate the range options presented by the different insurance providers. Look for the policies that provide enough protection for your needs. Additionally, offers services they offers such as the roadside assistance or accident forgiveness programs.
- Rates & Discounts: Rates are the key factor for drivers to consider. When comparing insurance companies, focus on rates for drivers with DUI convictions, as some may offer discounts or specialized programs.
Evaluating these factors helps you choose an insurance company after a DUI conviction. Always remember, the right auto insurance providers it can help you to navigate the challenges of post-DUI insurance and to provide the support you need.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Tips to Lower Your Insurance Rates After a DUI
Insurance rates usually increase after a DUI conviction, but you can take steps to lower your premiums:
Completing a DUI Education Program
Many states, including Texas, require individuals convicted of a DUI to complete a DUI education program. By successfully completing this program, you may demonstrate to insurance companies that you are taking steps to become a safer driver, possibly resulting in lower rates.
Maintaining a Clean Driving Record
Consistently practicing safe driving habits and avoiding additional traffic violations or accidents can help you improve your insurance rates. Insurance companies consider your overall driving record when calculating premiums so that a clean record can have a positive impact. To dive deeper, refer to our complete guide titled “Get Low-Cost Car Insurance With Driver Discounts.”
Shopping Around for the Best Rates
Although rates for drivers with a DUI conviction are typically higher, shopping around and comparing quotes from different insurance providers can help you find the most affordable coverage. Each company has its own underwriting guidelines, so rates can vary significantly. Take the time to gather multiple auto insurance quotes with DUI to ensure you find the best rates available.
Texas Report Card: Auto Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Driver Discount | A | 15% | State Farm, Progressive, Geico |
| Multi-Policy Discount | A- | 10% | Allstate, Farmers, Liberty Mutual |
| Safe Vehicle Discount | B+ | 8% | Geico, Nationwide, USAA |
| Defensive Driving Course | B | 6% | Liberty Mutual, Allstate |
| Low Mileage Discount | B- | 5% | State Farm, Progressive |
By understanding the impact of a DUI on your car insurance rates, familiarizing yourself with Texas DUI laws, evaluating insurance companies, and following these tips, you can find the best car insurance options for drivers with a DUI in Texas.
Remember, it’s important to compare quotes and consider the reputation and policies of different providers before making a decision. With the right research and approach, you can secure the coverage you need at a price that fits your budget.
Case Studies: Car Insurance After a DUI in Texas
Understanding how insurance providers support DUI drivers can help you make better choices. Here are three case studies showing different approaches.
- Case Study #1 — State Farm: State Farm helped a driver with two DUIs by offering personalized service, discounts for completing a defensive driving course, and reducing their premiums, providing valuable support during a challenging time.
- Case Study #2 — Geico: Geico was the stands out for adaptability in handling DUI cases. The customer previously was struggled to find affordable coverage but they found the multiple policy options with Geico. The insurer also incentivized safe driving courses, which they helped lower the driver’s premiums over time, they making it a solid choice for high-risk individuals.
- Case Study #3 — Amica: Amica offers affordable rates for DUI clients, providing discounts for safe driving and policy bundles. Their customer-focused support helps high-risk drivers secure budget-friendly coverage.
These examples highlight how insurers assist DUI drivers with coverage options. Discover more in our guide titled, “Full Coverage Auto Insurance.”
Jimmy McMillan Licensed Insurance Agent
Reviewing companies like State Farm, Geico, and Amica can help drivers find tailored insurance. Enter your ZIP code below in our free tool to start seeing quotes today.
Frequently Asked Questions
Can I get car insurance in Texas if I have a DUI on my record?
Yes, you can still get car insurance in Texas with a DUI. However, insurers may classify you as high-risk, which typically results in higher premiums. You can also enter your ZIP code below into our free comparison tool to compare rates now.
Why do insurance companies consider DUI drivers high-risk?
Drivers with a DUI are considered auto insurance for high-risk drivers in Texas due to their increased likelihood of accidents, leading to more claims and higher costs for insurers. To learn more, consult our in-depth guide titled “Do I need multiple policies to get enough coverage?”
How much do my car insurance rates increase after a DUI in Texas?
Rates can rise significantly after a DUI. On average, the cost of car insurance per month in Texas premiums may increase by 50-100%, depending on the insurer and other factors.
Will I need an SR-22 after a DUI in Texas?
Yes, after a DUI in Texas, you may need an SR-22, which is a certificate proving you meet the state’s minimum liability insurance requirements.
Which insurance companies specialize in high-risk drivers after a DUI?
Yes, companies like State Farm, Geico, and Amica offer coverage for high-risk drivers with competitive rates. To gain additional insights, check out our guide, “How does the insurance company determine my premium?”
How long does a DUI affect car insurance rates in Texas?
A DUI typically affects your rates for 3-5 years, depending on the severity of the offense and the insurer’s policies.
Can I get lower my insurance rates after a DUI?
Completing DUI education programs, maintaining a clean driving record, and shopping around for quotes can help lower your rates. To acquire more information, review our in-depth guide, “What car insurance discounts do many insurance companies offer?”
What is the best insurance company for DUI drivers in Texas?
State Farm, Geico, and Amica are top choices for DUI drivers, offering competitive rates and tailored coverage options.
Do insurance companies offer discounts to DUI drivers?
Some companies may offer discounts to DUI drivers who complete defensive driving courses or install vehicle tracking devices. Uncover our guide titled “Can I bundle my Progressive car insurance with other policies?”
Can a DUI prevent me from getting discounts on my car insurance?
Yes, a DUI may disqualify you from safe driving discounts, but some companies offer other discounts you may still qualify for. See on how much you will pay for auto insurance by the entering your ZIP code below into our into our free comparison tool.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.