Car Insurance After a DUI in Texas: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Texas increases car insurance rates by an average of 91%, raising a typical full coverage policy from $2,424/year to $4,630/year. That's an increase of $2,206/year ($184/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Texas
Before DUI
$202/mo
$2,424/year full coverage
After DUI (+91%)
$386/mo
$4,630/year full coverage
Cheapest Companies After DUI in Texas
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $286/mo | $3,426/yr | Military families |
| Erie Insurance | $305/mo | $3,658/yr | Rate lock guarantee |
| GEICO | $316/mo | $3,797/yr | Clean driving record |
| Progressive | $340/mo | $4,074/yr | Telematics savings |
| State Farm | $351/mo | $4,213/yr | Good students |
| Travelers | $367/mo | $4,399/yr | Multiple discounts |
| Nationwide | $401/mo | $4,815/yr | Bundling home + auto |
| Farmers | $417/mo | $5,000/yr | Signal telematics |
| Allstate | $432/mo | $5,186/yr | Accident forgiveness |
| Liberty Mutual | $455/mo | $5,463/yr | New car replacement |
USAACheapest
Monthly
$286/mo
Annual
$3,426/yr
Best for: Military families
Erie Insurance
Monthly
$305/mo
Annual
$3,658/yr
Best for: Rate lock guarantee
GEICO
Monthly
$316/mo
Annual
$3,797/yr
Best for: Clean driving record
Progressive
Monthly
$340/mo
Annual
$4,074/yr
Best for: Telematics savings
State Farm
Monthly
$351/mo
Annual
$4,213/yr
Best for: Good students
Travelers
Monthly
$367/mo
Annual
$4,399/yr
Best for: Multiple discounts
Nationwide
Monthly
$401/mo
Annual
$4,815/yr
Best for: Bundling home + auto
Farmers
Monthly
$417/mo
Annual
$5,000/yr
Best for: Signal telematics
Allstate
Monthly
$432/mo
Annual
$5,186/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$455/mo
Annual
$5,463/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Texas, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Texas
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Texas
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Texas
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $386/mo | +91% |
| Year 1 | $367/mo | +82% |
| Year 2 | $340/mo | +68% |
| Year 3 | $294/mo | +46% |
| Year 5 | $239/mo | +18% |
| Year 7 | $202/mo | Normal |