A DUI conviction in Texas can have serious financial and legal consequences, with one of the most immediate and long-lasting effects being a significant increase in auto insurance rates. Insurers classify DUI offenders as high-risk drivers, leading to higher premiums, potential policy cancellations, and the need for SR-22 insurance.
Knowing how a DUI affects your insurance and what steps you can take to reduce costs is key for protecting your financial future.
Facing a DUI charge in Dallas? Our experienced Dallas DWI Defense Lawyer have successfully defended hundreds of cases and will help you fight for the best possible outcome.
What Constitutes a DUI in Texas?
Driving under the influence (DUI) in Texas means operating a vehicle while impaired by alcohol or drugs. The legal limit for blood alcohol concentration (BAC) is 0.08% for drivers over 21, while any detectable alcohol can result in a DUI charge for drivers under 21.
Penalties for a DUI can include fines, license suspension, and jail time. First-time offenders may face up to $2,000 in fines, a 90-day license suspension, and up to 180 days in jail. Repeat offenses bring harsher penalties, including longer suspensions and mandatory ignition interlock devices.
Long-term Consequences
A DUI stays on your driving record for life, affecting insurance rates and employment opportunities. Background checks can reveal DUI convictions, making it harder to secure jobs or professional licenses.
Texas uses a point-based system for driver’s licenses, meaning a DUI can lead to surcharges and long-term driving restrictions. Many insurance companies label DUI offenders as high-risk, leading to premium increases or policy cancellations.
Expunging a DUI is only possible in rare cases, such as wrongful arrests or dismissed charges. If convicted, the consequences can follow you for years, impacting your financial stability and personal life.
Impact of a DUI on Auto Insurance Rates in Texas
A DUI conviction in Texas results in significant auto insurance premium increases. On average, drivers experience a 50.76% rate hike, adding about $649 to their annual premium.
⚠️According to the Texas Department of Insurance, insurers calculate rates based on risk, and a DUI places drivers in a high-risk category. This means drivers may face substantially increased premiums, stricter policy terms, or even non-renewal of coverage. (Texas Department of Insurance)
Average Rate Increases
The table below provides an example of how a DUI conviction can impact insurance premiums in Texas as of 2025. These figures are based on data from some of the major insurers in the state, showing how much rates may increase after a DUI conviction.
| Insurance Company | Annual Premium (Before DUI) | Annual Premium (After DUI) | % Increase |
|---|---|---|---|
| State Farm | $924 | $1,550 | 68% |
| USAA | $821 | $1,310 | 60% |
| Farmers | $821 | $1,207 | 47% |
| GEICO | $1,415 | $1,831 | 29% |
Example: A DUI can increase car insurance premiums by an average of 50% to 70%. For example, in Texas, a DUI offense may raise annual car insurance premiums by $750 to $1,000, depending on the insurer and the driver’s history.
Factors Influencing Rate Hikes
Several key factors determine how much a DUI impacts insurance rates:
- Age: Younger drivers (under 25) are already considered high-risk and often receive the largest premium hikes after a DUI.
- Driving history: A DUI combined with previous speeding tickets or accidents can lead to even greater rate increases or coverage denial.
- Insurance provider policies: Each insurer applies different penalties for DUI convictions—some increase premiums significantly, while others may refuse coverage entirely.
- State laws: Texas does not allow DUI expungements, meaning insurers may continue factoring it into rates indefinitely.
Duration of Increased Rates
A DUI conviction affects insurance premiums for 3 to 10 years, depending on state laws and the insurer’s policies.
- Most Texas insurers apply DUI-related rate hikes for five years, with gradual reductions over time for safe drivers.
- Some companies extend penalties up to 10 years, especially if the driver has multiple violations.
- Drivers with a clean record post-DUI may qualify for gradual premium reductions as their risk level decreases.
SR-22 Requirement in Texas
Drivers convicted of a DUI in Texas may be required to file an SR-22 as proof of financial responsibility before regaining their driving privileges. This form is not an insurance policy but a certificate that ensures the driver meets the state’s minimum insurance requirements.
What is an SR-22?
An SR-22 is a document that insurers file with the Texas Department of Public Safety (DPS) to verify that a driver has the required auto insurance coverage. It is typically required for high-risk drivers, such as those with DUI convictions or serious traffic violations.
Drivers convicted of a DUI or other serious violations are often required to obtain an SR-22 before their license can be reinstated, as Texas law typically enforces an automatic suspension following a DUI arrest or conviction. Maintaining an SR-22 means keeping continuous auto insurance coverage, as any lapse or cancellation could result in another license suspension.
SR-22 and Insurance Rates
Filing an SR-22 typically leads to higher insurance premiums, as insurers classify these drivers as high-risk. Many standard insurance providers may refuse coverage, forcing drivers to seek specialized or high-risk insurance policies.
Texas drivers with an SR-22 may see their rates double or even triple, depending on their driving history. In addition to increased premiums, insurers may charge filing fees, further adding to the financial burden. (Texas Department of Insurance)
Duration of SR-22 Requirement
Most Texas drivers must maintain an SR-22 for two years following a DUI conviction or other major violation. During this period, any lapse in coverage can result in license suspension and additional penalties.
If a driver fails to renew their SR-22 or their policy is canceled, the insurer must notify the Texas DPS. This could reset the SR-22 period, extending the requirement beyond the original two years.
A DUI conviction can have serious consequences, but you don’t have to face it alone. Our DWI Lawyer Texas are ready to protect your rights and build a strong defense on your behalf.
Mitigating Increased Insurance Costs After a DUI
A DUI conviction can lead to long-term financial consequences, including significantly higher insurance premiums. However, there are steps drivers can take to reduce costs over time and improve their standing with insurance providers.
Legal Assistance
Our attorneys can help reduce charges, which may lessen the impact on insurance rates. We can negotiate for a lower offense, such as reckless driving, which insurers may not penalize as severely as a DUI.
In some cases, we can challenge the evidence or procedural errors, leading to a case dismissal. If a conviction is unavoidable, our legal team may help minimize penalties, keeping insurance increases more manageable.
Hypothetical scenario: Jake, a 20-year-old Texas resident, was arrested for DUI with a BAC of 0.06%. Since he was under 21, Texas’ zero-tolerance law meant he faced a full DUI charge, a 60-day license suspension, and skyrocketing insurance rates. Without legal help, his insurance premiums would have doubled. However, our DUI attorneys successfully negotiated a deferred adjudication, allowing him to keep his record clean. As a result, his insurance only increased by 20% instead of the expected 50%.
Defensive Driving Courses
Taking a state-approved defensive driving course can demonstrate responsible behavior and potentially qualify for insurance discounts. Some insurers offer rate reductions for completing these courses, even after a DUI conviction.
Courses can also help drivers refresh their knowledge of traffic laws and safe driving habits. While they do not erase a DUI from a record, they may contribute to long-term premium reductions.
Maintaining a Clean Driving Record
Avoiding additional traffic violations is one of the most effective ways to gradually reduce insurance premiums after a DUI. Insurers reassess risk over time, and maintaining a violation-free record can lead to lower rates.
⚖️Many insurance companies begin lowering premiums after three to five years of safe driving. Shopping for competitive quotes and switching providers may also help secure a lower rate once the DUI’s impact starts to diminish.
Get a Free Consult With Our Dallas DUI Lawyers Today!
A DUI charge can have lasting consequences, but the right legal team can make all the difference. Our attorneys bring decades of criminal law experience and the full support of a top-tier defense team to every case.
We are not a lone attorney with limited resources—we have multiple experienced lawyers and paralegals, some with over 18 years at our firm, ensuring that no detail in your case is overlooked.
Since December 2002, we have successfully defended hundreds of DWI cases, helping clients avoid hefty fines, jail time, and long-term license suspensions. Our deep knowledge of Texas DUI laws and insurance implications allows us to build a strong defense tailored to your situation.
Don’t let a DUI define your future—call us now at (972) 528-0478 or schedule your free consultation today.
Key Takeaways
A DUI conviction in Texas can have serious financial and legal consequences, including increased insurance rates, SR-22 requirements, and long-term impacts on driving privileges. However, there are steps you can take to mitigate the damage and work toward restoring your record.
- A DUI can increase insurance rates by 50% or more.
- Filing an SR-22 is often required after a DUI, and failing to maintain continuous coverage can result in further license suspension.
- Defensive driving courses and maintaining a clean record can help gradually reduce insurance premiums over time.
- Working with our experienced DUI attorney will help lower charges, reduce penalties, and improve long-term outcomes.
FAQs
How long does a DUI stay on my insurance record in Texas?
In Texas, a DUI can impact your insurance rates for 3 to 10 years, depending on your provider. Most insurers factor it in for at least five years, but some may continue charging higher premiums for longer. Keeping a clean driving record can help reduce rates over time.
Can I get auto insurance after a DUI in Texas?
Yes, but your options may be limited as some insurers refuse to cover high-risk drivers. Many drivers with a DUI must obtain an SR-22 and seek coverage from high-risk insurance providers, which often charge higher premiums. Shopping around can help find competitive rates.
What is the difference between a DUI and DWI in Texas?
In Texas, DWI (Driving While Intoxicated) applies to drivers 21 and older with a BAC of 0.08% or higher. DUI (Driving Under the Influence) typically applies to drivers under 21 with any detectable alcohol. Both offenses can lead to fines, license suspension, and increased insurance rates.
Can a DUI conviction be removed from my record in Texas?
Texas law does not allow DUI convictions to be expunged in most cases. However, if your DUI case was dismissed or you were acquitted, you may be eligible for an expunction. Some first-time offenders may also qualify for a non-disclosure, which seals the record from public view.
How can I lower my car insurance after a DUI?
To lower your premiums, maintain a clean driving record, complete a defensive driving course, and shop for better insurance rates over time. Some insurers offer discounts after 3-5 years of violation-free driving. Working with a DUI attorney may also help reduce penalties that affect insurance.