High-Risk Auto Insurance in Texas After a DUI: Your Options

A DUI conviction in Texas is serious — it stays on your record for 10 years and can triple your auto insurance rates. But you still have options. Here is what you need to know about getting high-risk auto insurance after a DUI in Texas.

How a DUI Affects Your Texas Insurance Rates

After a DUI conviction in Texas:

• Your rates increase by 80-300% depending on the carrier
• You need SR-22 or FR-44 filing for 2-3 years
• Your license may be suspended until you file proof of insurance
• You may be dropped by your current carrier

Finding High-Risk Insurance After a DUI

Not all carriers accept high-risk drivers. EZ Insurance Agency works with Texas carriers specializing in DUI insurance:

• Non-standard auto insurance specialists
• Carriers offering SR-22 and FR-44 filings
• Payment plans for high-risk policies
• Month-to-month options initially

How Long Does DUI Affect Insurance in Texas?

The DUI conviction remains on your driving record for 10 years in Texas. However, the SR-22/FR-44 filing requirement is typically 2 years. After that, rates may gradually decrease if you maintain continuous, clean coverage.

Get a DUI Insurance Quote in Austin

Do not let a DUI keep you off the road. EZ Insurance Agency helps Austin drivers find affordable high-risk auto insurance with same-day SR-22 filing. Call (512) 444-4445 or get a free quote online.