Texas DUI (DWI) and Car Insurance
Getting a DUI in Texas can create long-term consequences for your driving record, your license, and your insurance rates. If you’ve been convicted of Driving While Intoxicated (DWI), here’s what you need to know about SR-22 filings, premium increases, and your coverage options.
SR-22 Requirements After a DWI in Texas
If your license is suspended due to a DWI, the Texas Department of Public Safety (DPS) requires an SR-22 certificate. This form proves you carry at least the state’s minimum liability insurance and must be filed by your insurer, not you.
- Must be maintained for 2 years after your suspension or conviction
- Coverage cannot lapse — your insurer must notify DPS if it cancels
- Reinstatement fees may apply to get your license back
How a DWI Affects Car Insurance Rates in Texas
Most Texas drivers see their car insurance premiums increase by 50% to 100% or more after a DUI/DWI. Insurers classify you as a high-risk driver, which may limit your options for standard coverage.
How Long Does a DWI Stay on Your Record in Texas?
A DWI conviction stays on your Texas driving record for life. However, for insurance purposes, most companies look back 3 to 10 years. Typically, higher rates apply for at least 3–5 years after a conviction.
High-Risk Insurance Options in Texas
If you can’t find standard coverage after a DWI, you still have options:
- Non-standard insurers that specialize in SR-22 policies
- TAIPA (Texas Automobile Insurance Plan Association), which offers basic liability if you’ve been denied elsewhere
Frequently Asked Questions About DUI and Insurance in Texas
Does Texas use DUI or DWI?
Texas law officially uses DWI (Driving While Intoxicated), but many insurance companies use DUI and DWI interchangeably.
Do I need an SR-22 after a DWI in Texas?
Yes. If your license is suspended because of a DWI, your insurer must file an SR-22 with the Texas Department of Public Safety before you can legally drive again.
How much will my insurance go up after a DWI?
Most Texas drivers see rates increase by 60% to 100% or more after a DWI conviction. The exact amount depends on your driving history, insurer, and location.
What happens if my SR-22 policy lapses?
If your SR-22 coverage is canceled or lapses, your insurer must notify DPS, and your license may be suspended again. Continuous coverage is required for the full SR-22 period.
How long does a DWI affect insurance in Texas?
While a DWI stays on your record for life, most insurers look back 3–5 years when setting premiums. Rates gradually improve the longer you maintain a clean record.
Looking for general requirements instead? See our full guide to Texas car insurance laws and coverage requirements.