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.
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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 ...
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UPDATED: Oct 9, 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: Oct 9, 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.
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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 balance cost, customer service, and flexible policy features to meet the needs of Texans recovering from 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 company? Enter your ZIP code above and see which one offers the 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
#1 — State Farm: Top Overall Pick
Pros
- Comprehensive Coverage: State Farm excels in providing comprehensive coverage options for the best car insurance after a DUI in Texas at $55/month.
- Low Monthly Rates: State Farm insurance review offers competitive monthly rates with flexible 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.
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#2 — Geico: Best for Custom Plan
Pros
- Affordable Plans: Geico Insurance Reviews offers customizable plans for the best car insurance after a DUI in Texas at $45/month.
- Mobile App Features: Geico’s app offers DUI drivers easy access to manage policies and claims.
- Discount Programs: Geico provides multiple discount options for drivers with DUI convictions.
Cons
- Customer Service Concerns: Some DUI drivers report customer service response times issues.
- Limited Agent Availability: Geico’s reliance on online services means fewer local agents are available for in-person support.
#3 — Amica: Best for Customer Service
Pros
- Top-Rated Customer Service: Amica provides exceptional customer service with the best car insurance after a DUI in Texas at a rate of $86/month.
- Claims Satisfaction: The company excels in claims handling, ensuring smooth processing for DUI drivers.
- No Hidden Fees: Amica offers transparency with no hidden fees for the best car insurance after a DUI in Texas. Read our guide, “Does Amica Mutual Insurance offer non-owner car insurance coverage?“
Cons
- Fewer Discounts: Amica may offer fewer discounts compared to other providers, impacting DUI drivers.
- Limited Coverage Options: Amica’s policy options might be limited compared to other top providers.
#4 — Erie: Best for 24/7 Support
Pros
- Cheapest Rates: Erie offers the best car insurance after a DUI in Texas with the lowest minimum coverage rate of $42/month.
- Accident Forgiveness: Erie includes accident forgiveness programs for drivers with DUIs.
- Easy Claim Process: The company is known for a hassle-free claims process, which benefits 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.“
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#5 — American Family: Best for Student Savings
Pros
- Student Discounts: American Family offers significant student discounts on the best car insurance after a DUI in Texas, starting at $72/month for minimum coverage.
- Personalized Service: The company is known for providing personalized customer service, which benefits DUI drivers needing tailored plans.
- Safe Driver Program: DUI drivers can benefit from the American Family’s Safe Driver program to lower rates.
Cons
- Limited Discounts: Discounts may be limited for DUI drivers compared to competitors offering the best car insurance after a DUI in Texas.
- Higher Rates for Full Coverage: Full coverage rates for DUI drivers may exceed those of other providers. (Learn more: 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 around-the-clock 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.
#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).
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#8 — Progressive: Best for Innovative Programs
Pros
- Innovative Programs: Progressive offers unique programs like Snapshot for DUI drivers seeking the best car insurance after a DUI in Texas at $59/month.
- Multiple Discounts: Progressive provides multiple discount options, including safe driving rewards for DUI drivers.
- Flexible Coverage: Progressive offers flexible coverage tailored for DUI drivers.
Cons
- High Full Coverage Rates: Progressive’s full coverage premiums are higher for the best car insurance after a DUI in Texas.
- Mixed Customer Service Reviews: Some DUI drivers report inconsistent customer service experiences. Explore our “How do I appeal a car insurance claim with progressive?“
#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: The company rewards 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.
#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 when bundling home and auto policies for DUI drivers.
- Safe Driving Rewards: The company rewards 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 “What documentation do I need to file a car insurance claim with farmers insurance?“
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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 |
Full coverage rates also vary widely. Geico and Erie offer affordable options at $120 and $107, respectively. Allstate and Liberty Mutual have the highest monthly rates, exceeding $320. Shopping around can help DUI drivers find more affordable coverage.
Understanding DUI and Its Impact on Car Insurance
DUI, or “Driving Under the Influence,” refers to operating a vehicle while impaired by alcohol or drugs. The best insurance, if you have a conviction, 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 tend to 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 occurs when a driver exceeds the legal blood alcohol concentration (BAC) limit, which varies by state. For instance, in Texas, the legal BAC limit is 0.08%. If a driver’s BAC surpasses this threshold, they can be charged for the best car insurance for someone with a DUI.
Understanding the legal limits and the seriousness of DUI offenses is essential, as these convictions not only result in legal consequences but also long-term financial impacts, particularly on car insurance rates. View our guide, “How does a moving violation affect car insurance?”
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 companies 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 |
Drivers seeking car insurance quotes with DUI convictions often need an SR-22 certificate, which verifies they have the required liability insurance. This form is commonly required for serious offenses like the best car insurance companies for DUI. Insurers charge 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 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.
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Texas DUI Laws and Penalties
In Texas, driving under the influence (DUI) carries serious legal consequences. Drivers aged 21 or older are prohibited from driving with a blood alcohol concentration (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 |
For drivers under 21, Texas enforces a zero-tolerance policy with a legal BAC limit of 0.02%. Commercial drivers face even stricter regulations, as any detectable 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 consent law, meaning drivers automatically consent to chemical testing for intoxication when they receive a license. Refusing these tests can lead to immediate license suspension and additional penalties.
Penalties for DUI in Texas
DUI penalties in Texas vary based on prior convictions and the driver’s age. For a first-time offense, fines can reach up to $2,000, and your driver’s license may be suspended for up to a year, severely affecting daily life. In some cases, an ignition interlock device may be required to prevent starting your vehicle if alcohol is detected.
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Repeated offenses result in harsher penalties. A second DUI can lead to fines up to $4,000, longer license suspensions, mandatory community service, and possibly jail time. These escalating penalties aim to discourage repeat violations and protect public safety.
Understanding DUI laws and penalties in Texas is crucial. Prioritizing safe driving habits not only protects you but also ensures the safety of others on the road. Responsible choices regarding alcohol and driving are essential 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’s essential to thoroughly evaluate different insurance companies. Not all providers handle the best auto insurance for DUI convictions in the same way, so it’s vital to consider specific factors.
After a car insurance quote for a DUI conviction, finding car insurance can be a challenging task. Insurance companies typically view DUI convictions as high-risk behavior, often resulting in increased premiums. 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 company may have its own underwriting guidelines, which can vary when assessing driving records. Some insurers may specialize in higher-risk drivers and offer more competitive rates for those with the best insurance with a DUI conviction. That’s why shopping around and comparing quotes from multiple providers is crucial.
Factors to Consider When Choosing an Insurance Company
When evaluating insurance companies, consider the following factors:
- Experience & Reputation: Choosing an insurance company with experience dealing with DUI convictions is important. They should have a good understanding of the legal and financial implications and be able to provide the necessary support and guidance.
- Customer Reviews: Reviewing 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 convictions and see how their claims were handled.
- Coverage Options: It’s essential to assess the coverage options offered by different insurance companies. Look for policies that provide adequate protection for your needs. Additionally, consider any additional services they may offer, such as roadside assistance or accident forgiveness programs.
- Rates & Discounts: The cost of car insurance is a significant consideration for most drivers. When comparing insurance companies, pay attention to the rates they offer for drivers with DUI convictions. Some companies may provide discounts or special programs specifically tailored to this demographic.
By thoroughly evaluating these factors, you can make an informed decision when choosing an insurance company after a DUI conviction. Remember, the right insurance provider can help you navigate the challenges of post-DUI insurance and provide the support you need.
Tips to Lower Your Insurance Rates After a DUI
While insurance rates tend to increase after a DUI conviction, there are steps you can take to potentially 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 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.
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Case Studies: Car Insurance After a DUI in Texas
Understanding how insurance providers support drivers with DUIs can help them make informed choices. Here are three concise case studies highlighting their approaches.
- Case Study #1 — State Farm: State Farm effectively supports drivers’ car insurance with two DUIs by offering personalized service. One driver faced high premiums after a DUI but received tailored options from State Farm, including discounts for completing a defensive driving course. This approach reduced their premiums and provided valuable customer support during a challenging time.
- Case Study #2 — Geico: Geico stands out for its flexibility in handling DUI cases. A customer previously struggled to find affordable coverage but found multiple policy options with Geico. The insurer also incentivized safe driving courses, which helped lower the driver’s premiums over time, making it a solid choice for high-risk individuals.
- Case Study #3 — Amica: Amica prioritizes customer service for the best car insurance rates for DUI clients. A driver with difficulty securing affordable insurance turned to Amica, which offered discounts for safe driving and bundled policies. This tailored support led to a satisfactory coverage plan that fit the driver’s budget while emphasizing Amica’s commitment to high-risk clients.
In summary, these case studies illustrate the varying strategies that insurance providers employ to assist drivers with DUIs. For additional insights, refer to our detailed guide, “Full Coverage Auto Insurance.”
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By exploring options from companies like State Farm, Geico, and Amica, individuals can find the best insurance solutions tailored to their needs. 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 will my car insurance rates increase after a DUI in Texas?
Rates can rise significantly after a DUI. On average 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.
Are there insurance companies that 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 comprehensive guide titled “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 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 how much you’ll pay for car insurance by entering your ZIP code below into our free comparison tool.
Enter your ZIP code below to compare cheap insurance rates.
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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.