How to Get Insurance After a DUI in Texas: A Step-by-Step Guide for 2025
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Getting a DUI in Texas can lead to serious legal and financial consequences — especially when it comes to your car insurance. After a DUI conviction, insurance rates often spike, and many drivers are required to file an SR-22 form to prove they meet state insurance requirements.
But here's the good news: even after a DUI, it’s still possible to get insured. This guide walks you through everything you need to know — from legal steps to financial tips and finding the right insurance after a DUI in Texas.
What Happens to Your Insurance After a DUI in Texas?
A DUI conviction in Texas triggers multiple insurance-related consequences. Here’s what to expect:
- SR-22 Requirement: After a DUI, Texas law typically requires you to file an SR-22 — a certificate proving you carry the state’s minimum liability coverage.
- License Suspension: Your license may be suspended for up to 2 years, depending on the offense. You'll need to meet state conditions for reinstatement, including SR-22 filing.
- DUI Record Duration: A DUI stays on your driving record for at least 10 years in Texas, impacting your insurance eligibility and pricing.
- Premium Increases: You’ll be considered a high-risk driver. Expect rates to rise significantly, and some insurers may decline coverage altogether.
Steps to Get Car Insurance After a DUI in Texas
If you’ve been convicted of a DUI, here’s how to get back on the road legally and safely:
- Step 1: Get Your Driving Record
Request a certified copy from the Texas Department of Public Safety (DPS) to understand your violations. - Step 2: Research Insurers That Offer SR-22 Filings
Not all companies handle high-risk drivers. Look for those specializing in SR-22 policies in Texas. - Step 3: Get a Quote and File SR-22 With Your Chosen Insurer
The insurer will electronically file the SR-22 form with the DPS once you purchase a qualifying policy. - Step 4: Pay the Filing Fee and Maintain Continuous Coverage
Expect a one-time filing fee (usually $15–$25) and avoid any policy lapse to remain compliant.
Average Insurance Costs After a DUI in Texas (2025 Data)
A DUI conviction in Texas significantly impacts auto insurance premiums. Here's what you need to know:
|
Coverage Type |
Before DUI |
After DUI |
% Increase |
|
Minimum Coverage |
$643/year |
$988/year |
~54% |
|
Full Coverage |
$1,277/year |
$1,926/year |
~51% |
|
National Avg (Full) |
$1,548/year |
$2,556/year |
~65% |
Additional Insights
|
Factor |
Details |
|
Duration of Higher Rates |
3–5 years |
|
DUI on Driving Record (Texas) |
10 years |
|
Impact Factors |
Driving history, insurer policies, and severity of offense |
Tips to Lower Your Car Insurance After a DUI
Even after a DUI, you can still take steps to reduce your car insurance premiums over time.
- Shop around every year – Different insurers offer different rates post-DUI.
- Ask about discounts – Look for multi-policy, low-mileage, or telematics-based savings.
- Join safe driving programs – Some insurers offer lower rates for monitored good behavior.
- Drive a safer vehicle – Avoid luxury or high-performance cars that raise premiums.
Frequently Asked Questions
Conclusion
Getting insurance after a DUI in Texas may seem challenging, but with the right approach, it's completely manageable. You can regain affordable coverage by following the necessary steps and choosing the right insurer.
FE Insurance offers personalized assistance for those needing help with high-risk insurance. Contact us for a quote and to explore your options.
