LIABILITY INSURANCE
This is required by law in Texas, covering bodily injury and property damage to others if you are at fault in an accident.
WHY PAY MORE?
GET AFFORDABLE DUI INSURANCE RATES IN TEXAS
SR-22
High-Risk
Non-Owner
Liability
Other
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WHAT TYPES OF DUIS CAN I INSURE IN TEXAS?
Aggravated DUI
Aggravated DUI involves higher BAC levels or dangerous driving. It carries more severe penalties, making it crucial to have proper coverage after such an offense.
Underage DUI
Underage DUI occurs when a driver under 21 is caught with alcohol in their system. Coverage is essential to meet legal requirements and protect against possible legal consequences.
Commercial DUI
Commercial DUI applies to drivers of commercial vehicles. A DUI conviction in this category can result in heavy fines and license suspension, making coverage important.
Drug DUI
Drug DUI involves driving under the influence of illegal substances or prescription drugs. Insurance helps manage the aftermath, including fines and potential license suspension.
Extreme DUI
Extreme DUI occurs when a driver has a significantly high blood alcohol concentration (BAC), typically over 0.15%. Coverage helps minimize legal and financial impacts.
Felony DUI
Felony DUI is charged after multiple DUI offenses or severe circumstances. It's crucial to have insurance to cover the costs of legal battles and potential long-term consequences.
Misdemeanor DUI
A misdemeanor DUI is less severe than a felony but still results in fines, license suspension, and possible jail time. Insurance helps cover these legal expenses.
Wet Reckless
A wet reckless charge is often a reduced DUI charge. Although less severe, having coverage is still important to handle potential fines, legal fees, and license issues.
WHY IS CINCO THE BEST CHOICE FOR DUI INSURANCE IN TEXAS?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
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Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY DUI INSURANCE IN TEXAS?
COLLISION COVERAGE
Covers damage to your vehicle in case of a collision, regardless of fault, ensuring repairs or replacement if necessary.
COMPREHENSIVE COVERAGE
Covers non-collision-related damages such as theft, vandalism, or natural disasters, offering broad protection for your vehicle.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
Protects in the event of an accident caused by a driver with insufficient or no insurance, covering your vehicle repairs and medical expenses.
PERSONAL INJURY PROTECTION (PIP)
Covers medical expenses and lost wages for you and your passengers, regardless of who caused the accident. Insurers must offer PIP in Texas.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
Covers medical bills for you and your passengers after an accident, regardless of fault, ensuring medical expenses are taken care of quickly.
ROADSIDE ASSISTANCE
Provides help in case of emergencies like flat tires, towing, or battery issues, ensuring you're covered when you're stranded on the road.
ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE
Offers a lump sum payment if you or a passenger is killed or seriously injured in an accident, providing financial assistance for your family.
RENTAL CAR COVERAGE
Pays for a rental car while your vehicle is being repaired or replaced after an accident, helping you maintain mobility during repairs.
TOWING AND LABOR COVERAGE
Pays for towing services and minor repairs on-site if your vehicle breaks down, minimizing the hassle of unexpected mechanical issues.
HOW IT WORKS
EXPLORE
Discover a range of insurance options on our official website. Understand the coverages required to stay compliant and protected.
CONNECT
Reach out to our auto insurance team to answer your DUI insurance questions. We're here to guide you through the process and offer expert advice.
COMPARE
Consider multiple DUI insurance plans to find the best one for you. Look at coverage details, pricing, and benefits to ensure you make the right choice.
THE DUI INSURANCE LANDSCAPE IN TEXAS
Texas is renowned for its expansive landscapes, lively cities, and cultural diversity. From the plains to the Gulf Coast, the state offers diverse opportunities for adventure. Texans take pride in driving freely on the roads, as the city offers an extensive network of highways for its citizens.
DUI insurance is crucial for drivers convicted of DUIs in Texas. State law requires high-risk drivers to maintain SR-22 insurance, a form of proof of coverage. With strict penalties for DUI violations, this specialized insurance helps drivers regain their driving privileges after a conviction.
CINCO Auto Insurance offers reliable DUI insurance customized for Texas drivers. With our expertise and customer-centric approach, we ensure that drivers comply with state laws while providing affordable, effective coverage for high-risk situations and helping drivers get back on the road.
FACTORS THAT IMPACT DUI INSURANCE RATES IN TEXAS
When it comes to DUI insurance, premiums are primarily determined by several factors, with your driving record—including any DUI convictions—being a key factor. While there are general estimates for insurance rates, these can vary significantly based on your personal situation. For example, the severity of your DUI conviction and other contributing factors can directly influence your premiums. Understanding the factors that impact your rates can help you better manage your costs and find more affordable options. Here are the key factors that can affect your DUI insurance premiums in Texas:
DUI Conviction Severity
Number of DUI Offenses
Driving History
Age and Gender
Location (State or ZIP Code)
Insurance Coverage Limits
Type of Vehicle Insured
Length of Time Since Conviction
Completion of DUI Programs (e.g., alcohol education)
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Continuous Insurance Coverage
WHO IS REQUIRED TO HAVE DUI INSURANCE IN TEXAS?
In Texas, DUI insurance is required for individuals convicted of driving under the influence or related offenses. This insurance, often in the form of SR22, is mandatory to regain driving privileges after a conviction. Drivers who are considered high-risk, such as those with multiple offenses, must maintain this insurance to meet state requirements. Without it, their licenses may remain suspended, preventing them from legally driving. The following people are required to have this insurance:
Individuals convicted of DUI (Driving Under the Influence).
Drivers who have had their license suspended or revoked due to DUI.
Drivers whose insurance has been canceled or non-renewed due to DUI.
Drivers involved in serious DUI-related accidents.
Drivers required by the state to file an SR-22 certificate.
Individuals with multiple DUI convictions.
Commercial drivers convicted of DUI.
Drivers who have been ordered by the court to maintain DUI insurance.
WHY IS DUI INSURANCE NECESSARY IN TEXAS?
HOW DOES DUI INSURANCE WORK IN TEXAS?
DUI insurance works by meeting state requirements for high-risk drivers who have been convicted of DUI offenses. It includes filing an SR-22 form, which acts as proof of insurance. This filing is sent directly to the Department of Public Safety to verify that the driver has the minimum required coverage. Drivers must maintain this insurance for a specified period to restore their driving privileges.
This insurance generally costs more than regular coverage due to the increased risk associated with drivers. Insurers evaluate the severity of the offense and the driver's history to determine the premium. In addition to liability coverage, DUI insurance also offers options like collision or comprehensive coverage. It ensures drivers comply with Texas laws while providing essential financial protection.
HOW MUCH DUI INSURANCE COVERAGE DO I NEED IN TEXAS?
In Texas, the minimum insurance required for DUI drivers is liability insurance, which covers damage to others and their property. The state mandates a minimum of 30/60/25 liability coverage, meaning $30,000 for injuries per person, $60,000 for injuries per accident, and $25,000 for property damage.
However, many drivers with a DUI conviction opt for higher coverage limits to protect themselves more effectively, especially since DUI offenders are considered high-risk. Additionally, collision and comprehensive coverage can provide further protection for the driver’s vehicle. It's essential to consult with your insurance provider to determine the appropriate coverage based on your needs and budget that helps meet the legal requirements.
WHAT DISCOUNTS CAN I GET FOR DUI INSURANCE IN TEXAS?
DUI insurance premiums in Texas can be high due to the increased risk associated with DUI convictions. However, there are several ways to reduce the overall cost. Many insurers offer discounts to responsible drivers who take specific actions to lower their risk. These discounts may apply to drivers who complete defensive driving courses, install anti-theft devices, or maintain a clean driving record post-DUI. These options can help reduce premiums significantly. The following contains potential discounts:
Good Driver Discount
Defensive Driving Course Discount
Multi-Vehicle Discount
Multi-Policy Discount
Paid-in-Full Discount
Loyalty Discount
Low Mileage Discount
Electronic Payments Discount
Anti-Theft Device Discount
Telematics Discount
HOW MUCH DOES DUI INSURANCE COST IN TEXAS?
A DUI conviction in Texas significantly raises car insurance rates. On average, drivers with a DUI pay 52% more than those with a clean driving record. For example, the average annual cost of full coverage with a clean record is $2,637. After a DUI, however, that cost increases to around $4,012 per year. This increase is still lower than the national post-DUI average of $4,408.
Several factors can impact the cost, such as the severity of the offense, the driver's age, and the insurance provider. DUI insurance is essential for restoring driving privileges, but it comes at a higher cost due to the increased risk of insuring drivers with such convictions. Understanding the financial impact can help you plan financially and budget accordingly.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE DUI INSURANCE QUOTE IN TEXAS?
Providing complete and up-to-date details is crucial to getting a reliable DUI insurance quote. In Texas, insurers evaluate your driving history, DUI convictions, vehicle details, and coverage needs. Factors like age, location, and prior insurance also affect the quote. Submitting correct information ensures you receive a customized quote that meets legal requirements and suits your budget. The following is a list of the essential requirements to get an accurate DUI insurance quote in Texas:
COMPARE DUI INSURANCE RATES IN TEXAS BY INSURANCE COMPANY
DUI drivers face unique challenges when finding affordable car insurance. According to Insurify, not all companies offer coverage to high-risk drivers in Texas. For those that do, rates are significantly higher due to increased risk. Additionally, DUI drivers may face penalties like license suspensions, fees, and mandatory classes. Comparing quotes from multiple providers is essential to finding affordable rates and suitable coverage. Here are some insurance rates in Texas by different companies:
$97
$137
$173
$173
Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
Source: Insurify
Last Update: Dec 09, 2025
GET A FREE DUI INSURANCE QUOTE IN TEXAS
Start your journey to secure affordable DUI insurance and get back on the road with CINCO Auto Insurance. After submitting the form, one of our Texas auto insurance representatives will contact you to discuss personalized coverage options, answer your questions, and inform you about potential discounts available.
If you don’t like filling out the form, feel free to call, email, or visit us instead. Get your free DUI insurance quote today and drive confidently, knowing you’re fully covered!
SR-22
High-Risk
Non-Owner
Liability
Other
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