Deciphering which company offers the most affordable car insurance rates for drivers with a DUI requires a bit more effort in order to find the most economical policy.
Each company uses different criteria for filing rates in each state, so to begin we’ll rank the car insurance companies that tend to be cheaper in Dallas, TX. It’s important to understand that Texas car insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Simply having another birthday, marrying your spouse, or getting a reckless driving citation can trigger price changes resulting in some companies being cheaper in comparison to the competition.
Find Cheaper Auto Insurance after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,597 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,705 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,324 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,594 |
| Find Your Rate Go | ||
Travelers normally has some of the best car insurance rates in Dallas at around $1,052 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheaper Dallas, TX auto insurance companies.
As depicted above, if you are a customer of USAA and switched to Travelers, you might realize a yearly savings of about $65. Texas drivers with Texas Farm Bureau may save as much as $183 a year, and Germania Mutual policyholders might realize rate reductions of up to $242 a year.
It’s important to note that these policy prices are averages across all types of drivers and the different vehicles they drive and do not factor in a specific location for drivers with a DUI. So the insurer that has the cheapest rates for you may not even be in the top 23 companies shown above. That is why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
After getting a DUI, one of the more important criteria that are looked at to determine the amount you pay each year for auto insurance is where you live. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents benefit from lower prices.
The next table shows the highest-priced places in Texas for drivers with a DUI to purchase car insurance in. Dallas is ranked #6 with a yearly premium of $1,837 for the average policy, which is around $153 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Houston | $1,891 |
| 3 | Brownsville | $1,870 |
| 4 | Laredo | $1,851 |
| 5 | Amarillo | $1,840 |
| 6 | Dallas | $1,837 |
| 7 | Mesquite | $1,825 |
| 8 | Grand Prairie | $1,811 |
| 9 | Garland | $1,778 |
| 10 | Beaumont | $1,754 |
| 11 | Pasadena | $1,740 |
| 12 | Irving | $1,736 |
| 13 | San Antonio | $1,722 |
| 14 | Lubbock | $1,682 |
| 15 | Arlington | $1,658 |
| 16 | Fort Worth | $1,653 |
| 17 | Carrollton | $1,647 |
| 18 | Austin | $1,627 |
| 19 | El Paso | $1,616 |
| 20 | McKinney | $1,609 |
| 21 | Corpus Christi | $1,588 |
| 22 | Waco | $1,569 |
| 23 | Plano | $1,560 |
| 24 | Abilene | $1,545 |
| 25 | Killeen | $1,488 |
| Find the Best Rates Go | ||
Price information shown is approximated as the specific Dallas residence address can influence premiums substantially.
The illustration below shows how different deductible levels can affect insurance premiums when searching for cheap insurance for drivers with a DUI. The premiums assume a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
A 40-year-old driver could lower rates by $314 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $472 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, could shave as much as $1,026 or even more just by choosing larger deductibles.
When increasing deductibles, it is essential to have enough savings to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Selecting the best insurance provider can be difficult considering how many companies provide coverage in Texas. The ranking information below can help you choose which providers to look at purchasing from. The ratings below are only comprised of companies with a national presence, so companies that have a smaller presence are not taken into consideration for these rankings.
| 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 benefit of shopping around
Texas car insurance rates are based on many factors that control the cost of your policy. Turning one year older, moving across town, or getting a DUI may generate price changes that can now make some companies more affordable than the competition. And not only may your rating factors change, but auto insurance companies modify pricing every year to adjust for gains or losses. Higher than normal claims can cause rate hikes, while a better claims history can cause cheaper Dallas car insurance rates.
For instance, the chart below shows which company has the cheapest car insurance in Dallas, TX for a 40-year-old male driver with no accidents, a clean driving record, and solid credit. If we compare prices based on his current risk profile, Travelers may offer the best car insurance rates in Dallas at $1,235 annually. This is $669 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining most affordable Dallas, TX auto insurance companies.
Now let’s give the driver from the first example some claims, a little lower credit rating, and a few blemishes on his driving record. Due to the fact that every insurance company has their own formula to set their prices, analyzing rate quotes could now result in a new list of companies as shown below.
Mercury now has the best insurance rate in Dallas with USAA, State Farm, Nationwide, and Safe Auto completing the list. This example proves why it is critical to shop around to get the most economical auto insurance quotes for drivers with a DUI. Car insurance prices are calculated by many different factors and can decrease or increase without notice, so the most economical option the last time you compared rates may now be quite expensive.