Best Auto Insurance After a DUI in Texas (Top 9 Companies for 2024)
The top providers for the best auto insurance after a DUI in Texas are Geico, USAA, and AAA. USAA has the cheapest DUI auto insurance for military members at $34/month. Geico is the top choice for all Texas high-risk drivers with DUIs offering rates starting at $45/month and easy online claims service.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Aug 14, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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
6,435 reviewsCompany Facts
Full Coverage After a DUI in Texas
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
2,934 reviewsCompany Facts
Full Coverage After a DUI in Texas
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviews
The top picks for the best auto insurance after a DUI in Texas are Geico, USAA, and AAA. Affordable DUI auto insurance starts as low as $34/month.
These companies stand out for their excellent coverage options, offering comprehensive plans that cater to high-risk drivers in Texas, including add-on coverages and discounts not related to driving history.
Our Top 9 Company Picks: Best Auto Insurance in Texas After a DUI
Company Rank Low Mileage Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A++ Policy Customization Geico
#2 18% A++ Add-on Coverages USAA
#3 12% A Personalized Policies AAA
#4 10% A Safe-Driving Discounts The General
#5 14% A+ Senior Discounts The Hartford
#6 17% A+ First-Responder Discount Dairyland
#7 16% A++ Safe Drivers Auto-Owners
#8 19% A+ Safety Discounts Allstate
#9 11% A Family Plans Safeco
Their commitment to delivering high-quality service and customized solutions helps ensure that drivers get the best protection and value for their auto insurance needs in Texas after a DUI.
Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool above.
- Geico is the top pick for the best auto insurance in Texas after a DUI
- USAA has cheap DUI insurance rates starting at $34/month
- The best DUI insurance companies offer comprehensive coverage with add-ons
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#1 – Geico: Top Overall Pick
Pros
- Policy Customization: Geico’s extensive range of coverage options allows drivers in Texas after a DUI to tailor their policies to fit specific needs. Learn more in our Geico review.
- Affordable Rates: Geico offers competitive high-risk insurance rates starting as low as $45/month, making it a cost-effective choice for Texas drivers with DUIs.
- Strong Online Tools: Geico’s user-friendly website and mobile app make it easy for drivers in Texas after a DUI to manage their policies and access support.
Cons
- Limited Local Presence: Geico doesn’t employ agents, which might disadvantage individuals seeking in-person assistance in Texas after a DUI.
- Limited Discounts for High-Risk Drivers: Geico may offer fewer discounts for drivers in Texas after a DUI, which could affect overall cost savings.
#2 – USAA: Best for Add-on Coverages
Pros
- Military-Focused Benefits: USAA provides specialized benefits and support for military families in Texas after a DUI, including flexible payment options.
- Extensive Add-on Coverages: Provides useful add-ons like accident forgiveness and rental reimbursement for Texas drivers with a DUI. Read our USAA review for a full list.
- Excellent Customer Service: USAA provides essential support services for high-risk drivers in Texas after a DUI, which can be vital during policy adjustments.
Cons
- Military Eligibility Requirement: USAA auto insurance is generally available only to military families, which excludes many drivers in Texas after a DUI.
- Limited Physical Branches: USAA has fewer physical locations, potentially complicating face-to-face interactions for Texas drivers after a DUI.
#3 – AAA: Best for Personalized Policies
Pros
- Personalized Policies: AAA provides tailored policies for Texas drivers with a DUI, offering customized coverage for individual needs. Find out more in our AAA review.
- Variety of Add-ons: AAA provides a range of add-on coverages specifically designed for Texas drivers after a DUI, ensuring comprehensive protection.
- Trusted Customer Service: AAA is renowned for reliable and responsive customer service, beneficial for drivers in Texas after a DUI who need ongoing support.
Cons
- Membership Required: Texas drivers must be AAA members and pay annual membership fees to buy AAA auto insurance after a DUI.
- Limited Locations: Finding AAA insurance offices in Texas after a DUI can be tough if there are none in your city, especially for those who prefer local agents.
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#4 – The General: Best for Safe-Driving Discounts
Pros
- Discounts for Responsible Driving: The General offers safe driving discounts to help Texas drivers offset DUI-related costs, which you can learn about in our The General review.
- Flexible Payment Arrangements: Provides various payment plans that accommodate the budget needs of drivers in Texas after a DUI.
- Easy Online Quotes: A simplified online quote process allows drivers in Texas after a DUI to quickly compare and select insurance options.
Cons
- Basic Online Tools: The General’s online tools and app are less advanced than other Texas auto insurers, especially for those with a DUI.
- Expensive Rates: The General is the most expensive company on our list for auto insurance in Texas after a DUI at $166/month.
#5 – The Hartford: Best for Seniors With DUIs
Pros
- AARP Affiliation: The Hartford’s affiliation with AARP offers exclusive benefits and discounts for older drivers in Texas after a DUI.
- Customizable Policies: Allows extensive customization, enabling Texas drivers after a DUI to choose specific coverages that suit their needs. Read more in our review of The Hartford.
- Lifetime Renewability: Offers policies with lifetime renewability, ensuring continuous coverage for Texas drivers after a DUI as long as premiums are paid.
Cons
- Senior Focus: The Hartford primarily targets older drivers, which might not be as suitable for younger drivers with DUIs in Texas.
- Complex Policy Structures: The extensive customization options can make policies complicated to understand and manage for Texas drivers after a DUI.
#6 – Chubb: Best for First-Responder Discount
Pros
- First-Responder Discount: Chubb offers a discount for first responders, which can be a significant benefit for eligible drivers in Texas after a DUI. For a complete list, read our Chubb review.
- High-Value Asset Protection: Chubb offers extensive auto insurance coverage in Texas for both sports cars and luxury vehicles, including protection after a DUI.
- Efficient Claims Processing: It is highly regarded by customers in Texas after a DUI for handling high-risk auto insurance claims.
Cons
- Luxury Focus: Chubb often caters to high-end vehicles, which might not be ideal for all drivers in Texas after a DUI.
- Geographical Limitations: Chubb DUI insurance options may not be available in every part of Texas after a DUI.
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#7 – Auto-Owners: Best for Safe Drivers
Pros
- Safe Driving Incentives: Provides substantial discounts for safe driving in Texas after a DUI, assisting in lowering insurance expenses. Read our Auto-Owners review to learn what else is offered.
- Local Agent Network: Auto-Owners offers robust support for drivers in Texas after a DUI through its extensive network of local agents.
- Bundle Discounts: Offers discounts for combining auto insurance with other types of Texas insurance after a DUI.
Cons
- Limited Digital Presence: The company’s digital tools and online services may be less advanced, impacting convenience for tech-savvy drivers in Texas after a DUI.
- Availability Issues: Availability might be restricted in certain regions of Texas, which could limit insurance options for drivers after a DUI.
#8 – Allstate: Best for Safety Discounts
Pros
- Safety Discounts: Allstate offers discounts for safe driving that can help lower auto insurance expenses in Texas after a DUI. Find out more in our Allstate review.
- Drivewise Program: Allstate’s Drivewise program rewards safe driving habits with discounts, which is beneficial for Texas drivers after a DUI.
- Reputation for Service: Known for good customer service and support, which is beneficial for drivers in Texas after a DUI.
Cons
- High Renewal Rates: Allstate’s renewal rates are higher, impacting long-term affordability for drivers in Texas after a DUI.
- Complex Discount Structure: The discount structure might be complex, making it harder for drivers in Texas after a DUI to qualify for potential savings.
#9 – Safeco: Best for Family Plans
Pros
- Family Plans: Safeco offers family plans that can be cost-effective for households with multiple drivers in Texas after a DUI. Learn more about Safeco review.
- Comprehensive Mobile App: Provides a robust mobile app for easy policy management and claims filing, which is convenient for Texas drivers after a DUI.
- Flexible Payment Options: Offers flexible payment plans, which can help manage insurance costs in Texas after a DUI.
Cons
- Higher Family Plan Costs: Family plans might result in higher premiums overall, which could be a drawback for drivers in Texas after a DUI.
- Customer Service Variability: Customer service experiences can vary widely by city, which might be inconsistent for drivers in Texas after a DUI.
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Monthly Auto Insurance Rates in Texas after a DUI
The impact of a DUI on your insurance premiums is significant, as it often leads to higher costs due to the increased risk perceived by insurance providers. If you have a DUI and need cheap high-risk auto insurance in Texas, start with these nine companies:
Texas DUI Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $57 | $148 |
| Allstate | $120 | $323 |
| Auto-Owners | $51 | $130 |
| Dairyland | $148 | $410 |
| Geico | $45 | $120 |
| Safeco | $47 | $122 |
| The General | $166 | $426 |
| The Hartford | $65 | $167 |
| USAA | $34 | $92 |
This table provides a comparison of monthly auto insurance rates for drivers with a DUI in Texas, broken down by coverage level and insurance provider. Minimum coverage rates range from $34 with USAA to $166 with The General, while full coverage rates span from $92 with USAA to $426 with The General.
Geico offers the best auto insurance after a DUI, providing competitive rates and comprehensive coverage options for high-risk drivers in Texas.Kristen Gryglik Licensed Insurance Agent
To effectively manage high-risk auto insurance rates after a DUI, it’s essential to understand how different insurance companies price their coverage and what discounts may be available to help offset the increased rates.
Read More: How Auto Insurance Companies Check Driving Records
Factors Impacting DUI Auto Insurance in Texas
After a DUI, securing affordable auto insurance in Texas will be challenging. A DUI conviction negatively impacts your driving record, making you a high-risk driver in the eyes of insurers, which leads to increased premiums. Various other factors also influence car insurance after a DUI:
- Location: Local accident rates, crime rates, and traffic conditions influence how much you pay for Texas insurance after a DUI. Houston, TX auto insurance typically has the highest rates.
- Coverage Level: Choosing between minimum coverage and full coverage significantly affects DUI insurance costs.
- Insurance Company Policies: Different insurance companies have varying criteria for assessing DUI convictions. Some may penalize more severely than others, resulting in different rate increases.
- Discount Availability: Many insurers offer discounts for completing safe-driving courses, installing anti-theft devices, or maintaining a clean driving record post-DUI.
By comparing rates and exploring available discounts, you can find a full coverage policy that offers both protection and savings.
Keep scrolling to learn how to save money on auto insurance after a DUI in Texas, including tips on finding insurers who specialize in high-risk drivers and utilizing state programs.
Saving Money on Texas Auto Insurance After a DUI
After a DUI conviction in Texas, several leading auto insurance companies offer various discounts to help manage costs. Each provider has its own range of discounts that DUI drivers can qualify for, including discounts for safety features, low mileage, or bundling.
Additionally, consider usage-based insurance plans that adjust rates based on driving behavior or mileage. Allowing your insurance company to track driving habits can help you lower DUI auto insurance costs gradually as you work to maintain a clean driving record.
Look for insurers that specialize in high-risk coverage, and enroll in a defensive driving course to demonstrate improved driving habits, which might lead to discounts. Maintaining a clean driving record to gradually lower your rates will help you save money on Texas DUI insurance.
Geico shines as the premier auto insurance provider in Texas after a DUI, combining unbeatable rates with comprehensive coverage options.Justin Wright Licensed Insurance Agent
High-risk drivers can also opt for higher deductibles to reduce premiums, but make sure you can afford it if you ever need to file a claim. Compare high-risk auto insurance quotes from multiple companies to find rates and deductibles that fit your budget.
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Case Studies: Lowering Auto Insurance Costs in Texas After a DUI
By examining these case studies, we hope you gained useful insights into how to use your own DUI insurance tricks to get affordable Texas high-risk auto insurance:
- Case Study #1 – Affordable Insurance After a DUI: Alex Johnson, a 32-year-old graphic designer with a DUI conviction, used comparison shopping and higher deductibles to reduce his Allstate monthly insurance premium from $250 to $120.
- Case Study #2 – Finding Personalized Coverage: Maria Sanchez, a 29-year-old school teacher with a DUI conviction from a year ago, found an affordable $148/month policy through AAA by emphasizing her improved driving habits.
- Case Study #3 – Lowering Insurance Costs After a DUI: Chris Brown, 45, IT Manager, reduced his insurance premium from $350 to $180 per month by enrolling in a usage-based program, bundling policies, and opting for low mileage discounts after a DUI conviction. For more, see our guide “Does a criminal record affect auto insurance rates?“
Remember, comparing quotes, exploring discounts, and customizing your policy are key strategies to securing affordable and comprehensive coverage.
Finding the Right Auto Insurance in Texas after a DUI
Companies like Geico, USAA, and AAA offer competitive rates on the best auto insurance in Texas after a DUI. To manage high-risk insurance costs effectively, consider increasing your deductible, taking a defensive driving course, and maintaining a clean driving record.
To reduce auto insurance costs in Texas following a DUI, start by obtaining and comparing quotes from the cheapest auto insurance companies as pricing can vary. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below.
Frequently Asked Questions
What is the best insurance for a DUI in Texas?
The best car insurance in Texas after a DUI is with Geico, USAA, or AAA.
What is the cheapest full coverage auto insurance in Texas after a DUI?
USAA and Geico have the cheapest full coverage car insurance after a DUI in Texas.
How long does a DUI affect your auto insurance in Texas?
A driving while intoxicated conviction can affect your car insurance in Texas for at least three years, although it may be much longer. Your rates going forward will depend on factors such as your age, gender, any other violations on your driving record, and which insurance company you use.
Finding cheaper insurance rates is as easy as entering your ZIP code into our free quote comparison tool below.
Will my insurance cover DUI accidents in Texas?
Yes, Texas insurance companies may cover the costs associated with DUI accidents if you have collision auto insurance, but the drunk driver may face monetary consequences, especially if they caused the collision. Be mindful of potential financial repercussions.
What happens if you get in an accident while drunk in Texas?
Penalties upon a conviction include up to 180 days in jail and/or a fine of up to $2,000.
Do you lose your license immediately after a DUI in Texas?
Not immediately. You may still drive legally after an arrest. However, failure to request a hearing within 15 days will result in an automatic suspension. The suspension will go into effect approximately 40 days from the arrest date (Learn More: Does a criminal record affect auto insurance rates?)
Can you get rid of a DUI in Texas?
A DWI conviction cannot be expunged in Texas. However, a DWI charge that did not result in a final conviction can be expunged in some circumstances. DWI charges that can’t be expunged may be eligible to be sealed under Texas’s DWI Second Chance Law.
Does DUI show up on background checks in Texas?
A DWI stays on your record permanently in Texas unless you can get it expunged or sealed. With a DWI on your record, anyone who runs a criminal background check on you will be able to see it.
Why is Texas auto insurance so high?
Texas auto insurance rates are higher than average due to the increased risk of accidents and claims in the state with the fastest posted highway speed limits (Learn More: Drunk Driving Auto Insurance Rates by State).
What age is the zero-tolerance policy in Texas?
The zero-tolerance policy for DUI in Texas applies to drivers under the age of 21. Any detectable amount of alcohol in their system can lead to DUI charges.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
