If Texas suspends your license for driving under the influence, you’ll have to purchase Texas DUI insurance to reinstate it. Texas has stiff penalties for alcohol-related motor vehicle offenses. Consequences include jail time, fines and driver’s license suspension. If an officer pulls you over for suspected DUI, and your blood alcohol content (BAC) level of 0.08% or higher, the state will charge you with drunk driving. For commercial drivers and drivers under the age of 21, the blood alcohol content for a DUI charge is 0.04% or greater.
How do I get high-risk auto insurance?
One of the consequences of a DUI offense is its effect on the cost of your auto insurance. If you have a DUI conviction on your driving record, your insurance provider may raise your premium or cancel your policy. If you want to reinstate your license, you may need to find another insurance provider to purchase Texas DUI insurance (SR22 insurance Texas or high risk insurance). UltraCar Insurance can quickly provide you with competitive Texas SR22 insurance quotes.
Texas SR22 insurance is an auto insurance policy with an SR22 certificate endorsement. The certificate filing is a guarantee that you will carry the required liability insurance at all times. Because the SR22 certificate is a guarantee, the insurance company monitors it to verify that it remains in force. If your Texas DUI insurance lapses or you cancel it, the state will suspend your driving privileges again. The length of time you’ll have to carry SR22 insurance depends on your situation; however, the typical requirement is three to five years.
Texas SR22 insurance without a vehicle
If you don’t own a vehicle, you’ll purchase SR22 non owner insurance coverage to reinstate your license. Your insurance provider will endorse the SR22 to a non-owner insurance policy and file with the state. This will allow you to drive a non-owned vehicle on an occasional basis. See Texas Non Owner SR22 Insurance for more details about this option.
UltraCar Insurance surveys top insurance companies to find the best SR22 insurance policy and lowest rate possible. (See how SR22 insurance costs are determined). Click the quote button for affordable Texas DUI insurance quotes, or give us a call today!
This article was last updated on July 6th, 2023 by UltraCar Insurance