Figuring out which company offers the best insurance rates for drivers with a DUI involves a little more sweat in order to find the lowest price. Every car insurance company has a unique formula to determine rates, so let’s rank the most budget-friendly insurance companies in Texas.
It’s important to know that Texas insurance rates are calculated based on many things that may substantially change the price you have to pay. Simply turning a year older, filing a claim, or getting a reckless driving citation may cause policy rate changes that may make certain companies much cheaper than others.
Best Car Insurance Prices after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,421 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,597 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,155 |
| 16 | Encompass | $2,232 |
| 17 | MetLife | $2,249 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,672 |
| Find Your Rate Go | ||
Travelers quotes some of the most affordable car insurance rates in Laredo at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the cheaper Laredo, TX auto insurance companies.
As shown above, if you buy coverage from Texas Farm Bureau and switched to Travelers, you could earn savings of roughly $201. Texas drivers with Germania Mutual may save as much as $234 a year, and California Casualty customers might cut rates by $386 a year.
It’s important to note that these policy rates are averages for all insureds and vehicles and and are not figured with an exact vehicle garaging location for drivers with a DUI. So the auto insurance company that fits your age and vehicle best may not even be in the top 23 companies shown above. That affirms the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.
The type of vehicle you are buying coverage for is probably the biggest factor when looking for the most affordable insurance for drivers with a DUI. Vehicles with lower acceleration and performance, good safety features, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models.
The list below presents auto insurance costs for a handful of the cheaper automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,759 |
| Ford Escape XLS 2WD | $1,896 |
| Ford Explorer XLT AWD | $1,926 |
| Honda Odyssey EX W/Rear Entertainment | $1,995 |
| Ford Edge Limited 2WD | $2,001 |
| Chevrolet Equinox LT AWD | $2,035 |
| Dodge Grand Caravan Crew | $2,072 |
| Chevrolet Malibu LT | $2,077 |
| Ford F-150 XLT Crew Cab 4WD | $2,072 |
| Toyota Prius | $2,100 |
| Honda Civic VP 4-Dr Sedan | $2,107 |
| Toyota Corolla LE | $2,147 |
| Hyundai Elantra SE 4-Dr Sedan | $2,153 |
| Toyota Camry XLE | $2,147 |
| Chevrolet Impala LTZ | $2,157 |
| Jeep Grand Cherokee Limited 4WD | $2,184 |
| Toyota Tacoma 2WD | $2,202 |
| Compare Cheap Rates Go | |
Prices above based on single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices substantially.
Looking at the numbers, you can conclude that vehicles like the Honda CR-V, Ford Escape, and Ford Explorer are going to be the cheaper vehicles to insure after getting a DUI. The cost of auto insurance will be more expensive because there is more claim risk for drivers with a DUI, but overall those particular vehicles will have the cheapest rates that you’ll find.
Ending up with a good quality car insurance provider can be challenging considering how many different companies sell coverage in Texas. The ranking information in the next section may help you decide which auto insurers you want to consider comparing price quotes from. These rankings are only made up of companies that insure vehicles across America, so companies that have a smaller presence are not included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The illustration below illustrates how your deductible choice can impact insurance premiums when trying to find cheap insurance for drivers with a DUI. The rate quotes are based on a single male driver, full coverage, and no additional discounts are factored in.
The chart above illustrates that a 30-year-old driver could cut expenses by $352 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $530 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could potentially save as much as $1,026 annually by choosing larger deductibles on their policy.
When choosing a higher deductible, it’s a good idea to have spare funds to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Discount Laredo insurance
Insurance providers that provide coverage for drivers with a DUI may additionally offer rate discounts that could potentially reduce rates by 35% or more if you qualify for them. Large insurance companies and their possible discounts are outlined below.
- GEICO offers discounts for multi-vehicle, defensive driver, multi-policy, driver training, seat belt use, anti-lock brakes, and daytime running lights.
- USAA discounts include multi-vehicle, annual mileage, vehicle storage, loyalty savings, family discount, and military installation.
- Progressive offers discounts including multi-policy, multi-vehicle, good student, continuous coverage, online quote discount, online signing, and homeowner.
- American Family may offer discounts for TimeAway discount, bundled insurance, accident-free, defensive driver, and air bags.
- Esurance may include discounts for DriveSense, defensive driver, emergency road assistance, anti-theft, multi-policy, and renters.
- Farmers Insurance has discounts for business and professional, alternative fuel, early shopping, mature driver, teen driver, good student, and homeowner.
- State Farm offers premium reductions for good driver, accident-free, Drive Safe & Save, passive restraint, good student, Steer Clear safe driver discount, and student away at school.
The illustration below shows the difference between premium costs with and without policy discounts. The rate quotes are based on a male driver, two violations and no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with anti-theft, homeowner, paperless filing, multiple policy, continuous coverage, and multiple vehicle discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for drivers with a DUI is 28% or $898.