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Texas Car Insurance After a DUI or Violation

Texas requires 30/60/25 liability coverage and is an at-fault state.

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Texas at a Glance

30/60/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

79

Age when license renewal rules change, with a vision test at renewal

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Texas

Within 30 days of a DUI conviction or license suspension in Texas, your current insurance company will typically send a non-renewal notice—meaning your policy stays in effect until the end of your term, but won't be renewed. The Texas Department of Public Safety requires an SR-22 filing for most serious violations, which proves you maintain minimum liability coverage for a specified period. You'll need to find a carrier that offers SR-22 filing and accepts high-risk drivers, as many standard insurers exit at non-renewal rather than write a new policy.

SR-22 Certificate Filing

An SR-22 is not insurance itself—it's a certificate your insurer files electronically with the Texas DPS proving you carry at least the state minimum liability coverage (30/60/25). Not all carriers offer SR-22 filing, so you'll need a non-standard or high-risk insurer.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, suspensions, multiple violations, or gaps in coverage. These insurers underwrite differently and charge higher premiums, but they're often the only option immediately after a serious violation. Rates typically decrease as you maintain continuous coverage and move past the violation date.

Liability Insurance

After a violation, many drivers choose only state minimums to reduce premiums, but this leaves significant financial exposure—especially for seniors with assets to protect. Higher limits (50/100/50 or 100/300/100) cost more but provide better protection if you cause another accident during your high-risk period.

Uninsured Motorist Coverage

Uninsured motorist coverage protects you if you're hit by a driver with no insurance—which matters more when you're paying elevated premiums and can't afford another rate spike from an at-fault accident. Texas doesn't require this coverage, but insurers must offer it. For drivers 65 and older, who may face longer recovery times and higher medical costs, UM coverage provides critical protection during the high-risk period.

Full Coverage

If you still have a loan or lease, your lender will require collision and comprehensive coverage (often called full coverage). If your vehicle is paid off, you can drop these coverages to lower your premium—but weigh the savings against your vehicle's value and your ability to replace it out-of-pocket if it's totaled.

What Drivers Pay in Texas

$183–$195/mo

Typical monthly rate in Texas, drivers 65 and over

Rate data: MoneyGeek and Insure.com, 2026

What Affects Your Rate

  • Time since violation—rates drop gradually as you move 3, 5, and 7 years past the offense date
  • SR-22 duration remaining—some carriers reduce rates slightly once the filing requirement ends
  • City and ZIP code—urban areas like Houston and Dallas have higher base rates before violation surcharges
  • Age and driving history—drivers 65+ with otherwise clean records may see smaller increases than younger drivers with multiple violations
  • Carrier specialization—non-standard insurers often offer better rates for DUI drivers than standard carriers trying to exit the risk
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Compare Auto Rates for Senior Drivers

Mature-driver discount

Not required by state law

Mature-driver discounts here are set by each insurer.

Source: state statutes and insurance departments, verified July 2026

Coverage Types

High-Risk Auto Insurance

Coverage for drivers classified as high-risk due to violations, suspensions, DUIs, or gaps in coverage. Sold by non-standard carriers that specialize in this market and underwrite differently than standard insurers.

SR-22 Insurance

Not a separate type of insurance—this is standard liability coverage plus an SR-22 certificate filed with the state. Required after DUI, suspended license violations, and other serious offenses in Texas.

Non-Standard Auto Insurance

Policies designed for drivers who don't qualify for standard market coverage. These carriers accept higher-risk profiles and offer SR-22 filing, but charge significantly higher premiums.

Liability Insurance

Covers injury and property damage you cause to others. After a violation, many drivers carry only state minimums to reduce premiums—but this creates significant financial exposure if you cause another accident.

Find Your City in Texas

Houston

urban

San Antonio

urban

Dallas

urban

Austin

urban

Fort Worth

urban

El Paso

urban

Arlington

suburban

Corpus Christi

urban

Plano

suburban

Lubbock

urban

Irving

suburban

Laredo

urban

Garland

suburban

Frisco

suburban

McKinney

suburban