Who Has the Cheapest Car Insurance Quotes for Drivers with a DUI in Texas?

The vehicle model you are insuring is one of the biggest factors in finding cheap coverage for drivers with a DUI. Vehicles with more horsepower, a lack of modern safety features, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models.

The list below showcases insurance costs for a number of the cheaper vehicles to insure in Texas.

Prices above based on single male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in specific garaging location which can impact premiums noticeably.

Based upon the table data, we can infer that vehicles like the Honda CR-V, Jeep Wrangler, and Ford Escape are going to be the most economical vehicles to insure after getting a DUI. Rates will be more expensive just due to the fact that there is more claim risk for drivers with a DUI, but generally speaking those models will probably have the lowest prices that you’ll find.

For Texas drivers, one of the things that insurance companies take into consideration when calculating the price of your policy is where you choose to live in Texas. Urban areas that are densely populated like McAllen, Amarillo, and Dallas tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents generally benefit from lower insurance rates.

The illustration below ranks the more expensive cities in Texas for drivers with a DUI in which to purchase auto insurance.

Premium amounts are estimated as specific Texas zip code can affect coverage rates noticeably.

Buying low-cost insurance is not easy, and figuring out which insurers offer the most affordable insurance rates for drivers with a DUI requires even more shopping around. Prices should be significantly more expensive than the average policy in Texas, with the higher price attributed to the extra risk that goes along with selling coverage after getting a DUI, but reasonable insurance may be available with a little diligence. Each company has their own formula for setting rates, so let’s begin by examining the overall cheapest insurance companies in Texas.

Best Insurance Companies after a DUI

Click Here to Start Your Quote

Travelers may have some of the lowest car insurance rates in Texas at around $1,010 annually. USAA, Germania Mutual, Texas Farm Bureau, and Esurance would also be considered some of the most economical Texas car insurance companies.

As shown in the rates above, if you are a policyholder with Esurance and switched to USAA, you may see savings of approxmiately $323. Drivers with California Casualty might save as much as $340 a year, and State Farm policyholders might see rate reductions of $366 a year.

Understand that those estimates are averaged across all ages of drivers and types of vehicles and are not factoring in a price surcharge for drivers with a DUI. So the auto insurance company that has the lowest price for you may not even be shown in the above list. That underscores the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.

Cost comparison with and without full coverage

Finding the cheapest car insurance for drivers with a DUI in Texas is the goal of most drivers, and one of the quickest ways to pay lower rates for insurance is to buy only liability coverage. The illustration below compares auto insurance rates with and without physical damage coverage. The rate quotes are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 5127,1523],[‘Age 30’, 2631,833],[‘Age 40’, 2617,771],[‘Age 50’, 2381,723],[‘Age 60’, 2299,711],[‘Age 70’, 2791,951]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Texas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If averaged out across all ages, physical damage coverage on your policy costs an extra $2,974 per year more than buying just liability insurance. That is a big expense that brings up the question if full coverage is worth the money. There isn’t a written rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

There are some situations where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Rate increases following a ticket or accident

The easiest method to enjoy the best insurance rates in Texas after getting a DUI is to be a cautious driver and not have accidents or get tickets. The example below shows how violations and at-fault fender-benders can increase insurance rates for different categories of driver ages. The premium estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2799,3449,5841],[‘Age 30’, 1935,2587,4977],[‘Age 40’, 1797,2447,4839],[‘Age 50’, 1573,2223,4617],[‘Age 60’, 1519,2169,4559],[‘Age 70’, 1771,2421,4813]]);var options = {title: ‘Impact of Tickets and Accidents on Texas Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Texas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of auto insurance per year with no violations or accidents is $1,899. Factor in two speeding tickets and the average cost hikes up to $2,549, an increase of $650 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of insurance for drivers with a DUI goes up to an average of $4,941. That’s an increase of $3,042, or $254 per month, just for a couple of infractions!

Allstate, Geico, State Farm, and Progressive: Who is best?

If you’re looking for the cheapest car insurance, four companies to consider are Allstate, Geico, State Farm, and Progressive. When combined, they insure about 50% of all auto insurance policies in force. All offer liability and physical damage insurance, but each one has slightly different options that may steer you one way or another. The table below points out ratings and policy coverage options that are available for customers.