Guide to Car Insurance After a DWI in Texas

Driving while intoxicated is inherently dangerous and against the law. Although drinking and driving is illegal throughout the United States, that doesn’t stop many drivers from getting behind the wheel. In Texas, an average of 89 Texans were killed every month in alcohol-related crashes in 2023, (TDOT). Beyond these tragic fatalities, a DWI or DUI may incur legal penalties and make it more difficult to obtain auto insurance. Agencia de Seguros de Acceso, LLC (A Abana) Insurance has been a trusted resource for Texans in need of quality and affordable coverage for over 40 years. Car insurance in Texas with a DWI is a challenge, but A Abana Insurance is equipped to help you navigate the process. Receiving a DWI or DUI is undoubtedly stressful but remember a key step in regaining driving privileges post-conviction is obtaining the proper insurance.  

DUI vs. DWI in Texas 

At the time this was written, in the state of Texas, you will be considered legally intoxicated when your blood alcohol level, (BAC) reaches .08%. However, you are deemed guilty of breaking the law as soon as drugs or alcohol affect your driving ability. A DWI stands for ‘driving while intoxicated’ and according to the Texas Penal Code signifies any of the following: 

• Not having the normal use of mental or physical faculties because of the introduction of alcohol, a controlled substance, a drug, a dangerous drug, a combination of two or more of those substances, or any other substance into the body 
• Having an alcohol concentration (BAC) of 0.08 or more. 

A DUI stands for ‘driving under the influence’ and in Texas, this generally only applies to minors and differs from a DWI since no person under 21 can legally consume alcohol, whether they are driving or not. Therefore, the legal limit of .08% does not apply to a minor since any alcohol in their system is a clear violation of the law. Depending on the minor’s age and number of offenses, they could receive varying penalties. A Abana Insurance is also able to facilitate the DUI and insurance process for minors. 

Police officers can test for BAC through breath, urine, or blood samples. While you can refuse a breathalyzer test, please note if you do, you will likely have your license suspended under ‘implied consent laws.’ 

Understanding DWI consequences in Texas 

At the time of publication as per to the Texas Department of Transportation, the penalties for a DWI are the following: 

• First offense - fines up to $2,000, up to 180 days in jail upon conviction with three mandatory days, and loss of driver's license for up to a year. 
• Second offense - fines up to $4,000, one month to a year in jail upon conviction, and loss of driver’s license for up to two years.  
• Third offense - a $10,000 fine, two to ten years in prison, and loss of driver’s license for up to two years. 

Please note that these listed fines do not include a state fine of $3,000, $4,500, or $6,000 assessed upon sentencing. 

After a DWI conviction, you will likely face higher premiums and more limited insurance options. Driving while intoxicated is considered reckless behavior and may cause insurance companies to consider you a high-risk driver. Following your conviction, you may be tasked with carrying an SR-22 certificate. Not all insurance agencies provide this service so you may need to switch companies. A Abana Insurance works with insurers who can provide an SR-22 certificate and help you navigate the process of acquiring this certificate of financial responsibility. An SR-22 certificate proves you are carrying the minimum amount of liability coverage required by your state. In Texas, you must maintain a valid SR-22 for two years from the date of your most recent conviction, or the date that a judgment has been rendered against you. Failure to maintain an SR-22 for two years without a lapse in coverage may result in additional enforcement actions and/or reinstatement fees, (Texas Department of Public Safety).  

How to get car insurance after a DWI 

Unsure about how to obtain auto insurance post-DUI or DWI? Taking the following steps may help you prepare for the process. 

• Step 1: Gather the necessary documents including your license information and DWI or DUI records. 
• Step 2: Do research and reach out to specialized agencies like A Abana Insurance that work with carriers who can provide SR-22 certificates. Remember that due to your accident, your original insurer may choose to non-renew or cancel your existing policy.   
• Step 3: Shop around and compare several coverage options. Be sure to relay the information regarding your conviction to receive an accurate quote for your SR-22 certificate and new coverage. 
• Step 4: Understand the costs and budget for higher premiums. Your coverage rates will likely spike significantly due to your DUI or DWI conviction.   
• Step 5: Select a reputable insurance agency to work with and have them file the SR-22 certificate on your behalf with the Texas Department of Motor Vehicles (TDMV). 

Please keep in mind that an SR-22 is not insurance, but rather a certificate that you carry the minimum amount of required coverage. As a result, you will first need to purchase the minimum liability coverage and then request the certificate.  

The cost of car insurance after a DWI 

Car insurance for DUI drivers or those convicted of a DWI will often be pricier. Nevertheless, several factors can influence your premium rates.  

Insurance providers will consider the following, among other factors, when determining your personalized rate: 

• The severity of the offense. 
• The driver’s age, vehicle type, and location. 
• The number of previous offenses.  

Due to these factors, the average increase in insurance rates post-DWI can vary greatly. Bankrate reported in October 2024, depending on your provider, increases (for full coverage) could range anywhere from 16 to 48%. 

Fortunately, there are ways to mitigate the rising cost of your coverage. In addition to opting for a higher deductible, you can potentially take advantage of discounts provided through carriers, switch to a nonstandard carrier, or work on improving your credit history.  

How A Abana Insurance can help 

Why work with A Abana Insurance? Our trained team of Spanish bilingual agents have local expertise and are skilled in navigating Texas-specific requirements for SR-22 certificates. Our agency works with carriers who can offer flexible plans tailored to high-risk drivers. A Abana Insurance is experienced in supporting high-risk drivers and has the resources to efficiently facilitate the SR-22 certificate process. 

Tips for moving forward after a DWI 

While a Texas DWI will remain on your permanent record, there are ways to move forward post-conviction. Generally, insurers will only look back at the last 5 to 10 years when determining your rates. If you can maintain a clean driving record and work towards reducing your risk profile, you may be able to mitigate your high-risk status. It is important to keep yourself adequately insured and not allow lapses in your coverage to avoid further penalties. Additionally, you may be able to take defensive driving courses to improve your record and potentially lower your coverage rates over time.  

The legal and financial implications of a DWI conviction may seem insurmountable, but it is possible to repair your driving history post-accident. Working with a specialized agency, such as A Abana Insurance can streamline the process and make it easier to maintain the proper coverage. 

 Are you looking for more personalized assistance or interested in obtaining an SR-22 certificate? Call A Abana Insurance today at 214-764-8868 for a free quote! 

Disclaimer: 

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply