If you’re convicted of a DUI (Driving Under the Influence) in Texas, it can significantly impact your car insurance premiums. Here’s an overview of how long you may face those consequences, why it happens, and what you can do to mitigate the effects.
How Long Does a DUI Stay on Your Record in Texas?
A DUI conviction in Texas stays on your driving record permanently. However, when it comes to the impact on your car insurance, most companies look at incidents within the past three to five years. This period can vary based on the insurance provider, but generally, insurers use this time frame to determine your premiums.
Why Does a DUI Raise Insurance Rates?
Insurance companies consider drivers with a DUI on their record to be high-risk. A high-risk driver is statistically more likely to be involved in accidents, leading to more claims. To mitigate this risk, insurers charge higher premiums—often significantly higher—for individuals with a DUI on their record.
How Much Will Your Rates Increase?
Though exact amounts vary, drivers with a DUI in Texas can expect their car insurance rates to increase by 50% to 100% or more. Some insurance companies may even choose not to renew your policy altogether.
Steps to Reduce the Impact of a DUI on Insurance
- Shop Around for Insurance Providers
- Not all insurance companies calculate risk the same way. If your current provider raises your premiums too high, compare quotes from other insurers to find a more affordable option.
- Complete a Defensive Driving Course
- Some insurers may reduce your rates if you complete a state-approved defensive driving or alcohol education course.
- Maintain a Clean Driving Record
- Avoid any future violations to demonstrate that you’re a responsible driver. Over time, this can help lower your premiums.
- Look Into SR-22 Insurance
- If required by the state, file an SR-22 form. While this additional cost may feel like a burden, it’s necessary for proving that you comply with Texas liability insurance requirements.
- Wait Out the Surcharge Period
- Once three to five years have passed, your DUI may no longer influence your insurance rates. Be patient—time and safe driving can gradually restore your standing with insurers.
Are There Any Long-Term Effects?
Yes, a DUI conviction in Texas also carries ancillary consequences:
- It may lead to higher premiums for life insurance or health insurance.
- It may affect your ability to secure certain jobs that require clean driving records.
Final Thoughts
A DUI conviction in Texas has serious implications for your insurance premiums, lasting for at least three to five years. During this time, drivers should focus on maintaining a clean record and exploring cost-saving opportunities like shopping for rates or taking defensive driving courses. If you’re proactive, you can reduce your insurance costs and move forward with more stable financial expectations.