DUI Car Insurance in Texas

Drivers with clean records in Texas pay $148 per month for full coverage, but drivers with a DUI see that jump to $223 monthly. That's a 51% increase, which sounds steep but actually tells a different story when compared nationally.

Across the country, drivers face much harsher penalties for DUI convictions. Nationally, premiums spike from $122 per month to $219 per month, an 80% increase that far exceeds Texas's 51% jump. This makes Texas more forgiving than most when it comes to DUI insurance penalties, though finding affordable coverage for high-risk drivers remains important.

Learn more: The average cost of car insurance in Texas

Progressive earns the best overall car insurance ranking for Texas DUI drivers, while State Farm provides the cheapest car insurance option based on MoneyGeek's scoring system. These two companies represent different approaches to managing elevated DUI premiums.

You'll save $79 per month with State Farm's $144 rate compared to the state average of $223. That translates to about $948 in annual savings, providing meaningful financial relief when you're already dealing with higher insurance costs after a DUI conviction.

Progressive's $170 monthly rate combines affordability with strong customer experience and coverage options, earning a 4.75 out of 5 score. MoneyGeek's ratings weigh affordability (60%), customer experience (30%) and coverage options (10%), making Progressive ideal for drivers who want quality service alongside competitive pricing.

Insurance companies don't offer rebates for maintaining a DUI-free driving record. Facebook ads claiming you can get cash back or special discounts for clean histories are scams designed to steal your information. Drivers without DUIs do pay less, but that's standard risk-based pricing, not a special program.

Your car insurance will go up after a DUI, but you'll also have other costs.  

• Fines and fees. Texas treats a first-time DUI (DWI) as a Class B misdemeanor with criminal penalties from $2,000 to $4,000. High BAC levels or repeat offenses push fines to $10,000. Court costs, probation service fees and monthly supervision charges run $60 to $100 monthly.
• Towing/impound fee. Police tow and impound your car after a DUI arrest. Towing costs $250 to $450 in Texas, and impound lots charge $10 to $25 daily for storage.
• Drug education and treatment. You'll complete a state-approved Alcohol Education Program costing $70 to $200 for first-time offenders. Probation requires a substance-abuse evaluation costing $40 to $60.
• DMV reinstatement fee. Restoring your driving privileges means filing an SR-22 certificate and paying a $100 DMV reinstatement fee. You'll need the SR-22 for at least two years, possibly five for repeat or felony DWI convictions.
• Attorney fees and damages. Legal representation costs $4,000 to $10,000 or more, depending on your case. If your DUI caused an accident, you'll pay for damage, medical bills, restitution and probation-related fees.

We give tips to help you get the most affordable car insurance available in Texas following a DUI, including what to do if traditional companies decline your application.

Most Texas drivers pay higher insurance premiums for three to five years after a DUI conviction, though the violation remains on their driving record permanently. The exact timeline depends on your insurer and overall driving history, as companies see the conviction and use it to calculate your rates.

Drivers with clean records pay an average of $148 per month for coverage, while those with a DUI pay around $223 monthly. This 51% increase means drivers with a DUI will have difficulty finding cheap rates, adding roughly $900 to their annual insurance costs, though shopping around helps find better rates.

Texas requires an SR-22 filing after a DUI conviction. This form proves you carry the state's minimum liability coverage of 30/60/25. Read more about insurance costs after a DUI in Texas.

After a DUI conviction, Texas requires your insurance company to file an SR-22 form with the state DMV proving you maintain active liability coverage. This filing must stay on record for two years from your license reinstatement date and requires minimum coverage of 30/60/25, meaning $30,000 for bodily injury per person, $60,000 for bodily injury per accident and $25,000 for property damage. If your policy lapses or gets canceled during this period, your insurer notifies the DMV immediately. Your license will be suspended again if there's any gap in your required coverage.

Here are answers to common questions about Texas DUI insurance costs, rate increases and affordable coverage.

MoneyGeek examined records from state insurance departments and Quadrant Information Services to identify the best companies for Texas drivers with DUIs. We evaluated financial stability, customer satisfaction, claims handling and affordability across providers.

These rates represent a 40-year-old male with both a clean driving record and a DUI operating a 2012 Toyota Camry LE driven 12,000 miles annually. We created variations of this base profile to generate additional rate scenarios.