For most drivers in Texas, State Farm offers the cheapest car insurance with a DUI with rates of $84 per month for minimum coverage and $171 yearly for full coverage. However, Mercury, Progressive and AAA Texas also have affordable rates for those with a DUI conviction.
DUI Car Insurance in Texas
Updated: June 26, 2025
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Key Takeaways
In total, the cheapest car insurance with a DUI in Texas is offered by State Farm with rates averaging $84 per month.
Depending on your driver profile and coverage level chosen, monthly Texas car insurance costs with a DUI can range anywhere from $131 to $258.
After a DUI in Texas, you must file an SR-22 and carry at least $30,000/$60,000 for bodily injury and $25,000 for property damage. Personal injury protection (PIP) is optional.
Cheapest DUI Car Insurance in Texas
| State Farm | $84 | $171 |
| Mercury | $86 | $184 |
| Progressive | $110 | $179 |
| AAA Texas | $112 | $208 |
| Foremost | $97 | $242 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Texas
While the information above covers most drivers, it doesn't represent everyone with a DUI in Texas. Below, we've broken down the cheapest companies for those with DUIs by coverage level, age and credit score so you can find the best rates for your profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| State Farm | $84 | $1,006 |
| Mercury | $86 | $1,038 |
| Foremost | $97 | $1,169 |
| Dairyland | $106 | $1,267 |
| Progressive | $110 | $1,324 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Texas law for most drivers.
How Much Does DUI Car Insurance Cost in Texas?
For most drivers, car insurance with a DUI in Texas costs around $1,577 per year for minimum coverage. However, depending on your unique driver profile and coverage level chosen, the yearly costs can change significantly. Compared to clean drivers without a DUI, those with the driving violation can increase rates by 52% on average.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| $131 | $1,577 | $45 | $542 | 52% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Texas law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN TEXAS?
In Texas, a DUI stays on your driving record permanently, but its impact on car insurance typically lasts three to five years, depending on the insurer. Some providers may consider a DUI for up to 10 years for repeat or severe offenses. Texas also requires drivers with a DUI to file an SR-22 certificate for two years, which can raise premiums. Most drivers see the highest rate increases during the first few years after the offense.
Additional Costs to Consider When Having a DUI in Texas
While it's clear that your car insurance will increase after a DUI, there are several other financial burdens you might overlook. Below is a breakdown of what to anticipate:
- Fines and fees. Texas classifies a first-time DUI (DWI) as a Class B misdemeanor, with criminal penalties ranging from $2,000 to $4,000, which can rise to $10,000 for high BAC levels or repeat offenses. Court costs, probation service fees, and monthly supervision charges range from $60 to $100 monthly.
- Towing/impound fee. After a DUI arrest, law enforcement will tow and impound your vehicle. Towing fees in Texas commonly run $250 to $450, and impound lots may charge an additional $20 daily storage fee, amounting to $10 to $25 per day depending on the county.
- Drug education and treatment. You’ll be required to complete a state-approved Alcohol Education Program, which costs approximately $70 to $200 for first-time offenders. If placed on probation, you may also need a substance-abuse evaluation from $40 to $60.
- DMV reinstatement fee. To restore your driving privileges, Texas requires you to file an SR-22 certificate and pay a $100 DMV reinstatement fee. The SR-22 is obligatory for at least two years and may extend to five for repeat or felony DWI convictions.
- Attorney fees and damages. Depending on case complexity, legal representation often ranges from $4,000 to $10,000 or more. If your DUI caused an accident, you’ll also be responsible for any resulting damage, medical bills, restitution and probation-related fees.
Texas DUI Car Insurance Requirements
After a DUI, Texas drivers are required to file an SR-22 certificate, affirming proof of financial responsibility under state law. To meet Texas’s minimum liability requirements, you must carry at least $30,000 bodily injury per person, $60,000 bodily injury per accident and $25,000 property damage liability.
Other Texas DUI Laws to Know
In addition to the SR-22 filing and heightened insurance obligations, Texas law enforces strict DUI-related regulations across fines, jail time, impoundment, license suspensions and mandatory education requirements.
Fines
A first-time DWI is a Class B misdemeanor with fines up to $2,000; the penalty escalates to $4,000 for higher BAC levels or repeat offenses. A second DWI is a Class A misdemeanor, also carrying fines up to $4,000, and a third offense is a third-degree felony punishable by up to $10,000. When a child under 15 is in the vehicle, charges rise to a state jail felony, still carrying a fine of up to $10,000
Imprisonment and release
First-time offenders may face between 72 hours and 180 days in jail. A second DWI can result in 30 days to one year of incarceration, while a third-degree felony DWI brings a prison term of two to ten years. Felony offenses that result in serious injury (intoxication assault) or death (intoxication manslaughter) are classified as third- and second-degree felonies, respectively, and carry prison sentences ranging from two to 20 years.
Impounding of vehicles
Texas law allows law enforcement to impound vehicles involved in any DWI stop. While there is no mandated schedule for impound duration based on conviction count, local authorities typically tow the vehicle and charge a fee of $250 to $450 plus daily storage costs of $5 to $25.
Suspension periods
License suspension terms vary depending on the conviction stage and test results. Administrative license suspension (ALR) applies immediately upon failing or refusing a BAC test: first-time test failure leads to a 90-day suspension, refusal triggers 180 days, and second refusals can result in up to two years off the road.
Subsequent criminal suspensions include 90 days to a year for a first DWI, 180 days to two years for a second, and up to two years for a third offense; special rules apply for child passengers and intoxication-related injuries.
DUI education requirements
Convicted individuals are required to complete a state-approved DWI education program: first-time offenders attend a 12-hour course, while those with repeat convictions must complete a 32-hour program as part of community supervision or probation. Participation in victim impact panels and potential installation of an ignition interlock device (especially for high BAC levels) may be mandated.
How to Get the Best Cheap Texas Car Insurance With a DUI
Below are practical tips designed to help you secure the most affordable car insurance available in Texas following a DUI, including what to do if traditional companies decline your application.
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Understand your needs
After a DUI in Texas, your coverage requirements rise sharply, but depending on your budget, it may be worth considering additional protection like uninsured motorist or collision coverage. We also provide an auto insurance coverage needs calculator to help you seek coverage.
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Research costs and discounts
Before requesting quotes, research the average premium costs in Texas for drivers with DUIs. Insurers generally don’t offer DUI-specific discounts, but you can still save by comparing online quotes and enrolling early. Texas also allows you to take a state-approved defensive driving course.
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Compare multiple providers
We provide a list of budget-friendly options to start your search, but getting quotes from multiple insurers is essential.
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Use state high-risk car insurance programs if denied
If traditional insurers refuse to cover you, the Texas Automobile Insurance Plan Association (TAIPA) can provide coverage. To qualify, you must show documented refusals from two insurers within the past 60 days. TAIPA guarantees coverage at state-mandated limits, though premiums are typically higher.
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Make lifestyle or vehicle changes
Boosting your credit can reduce your annual premiums. Texas drivers with poor credit and a DUI may pay around $1,874 more yearly than those with good credit. Also, choosing one of the cheapest cars to insure is an option.
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Consider non-traditional coverage types
If your annual mileage is under 7,000, a pay-per-mile insurance plan could offer savings. Usage-based insurance monitors your driving behavior and can also reduce premiums by up to 40%. Lastly, automaker-affiliated insurance programs are worth exploring.
Cheap DUI Insurance in Texas: Bottom Line
Overall, we found the cheapest overall car insurance providers for Texas drivers with a DUI are State Farm, Mercury and Progressive. While this is what our research found, we still recommend that you compare rates for yourself.
DUI Insurance in Texas: FAQ
Below, we've provided MoneyGeek's expert answers to frequently asked questions about Texas DUI insurance.
Who has the cheapest car insurance for Texas drivers with a DUI?
For those with a DUI, State Farm offers the cheapest overall rates in Texas for minimum and full coverage.
How much does a DUI increase rates in Texas?
Overall, a DUI can increase your rates by 45% for full coverage if you have good credit, compared to those without a DUI.
How much does DUI car insurance in Texas cost?
For minimum coverage average rates range around $131 monthly and for full coverage it is approximately $258 per month.
How We Chose the Cheapest Car Insurance for Texas' DUI Drivers
To determine the top companies for drivers with DUIs in Texas, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- TAIPA. "Texas Automobile Insurance Plan Association (TAIPA)." Accessed June 25, 2025.