After getting a DUI, one of the largest components that are looked at to determine car insurance rates is where you choose to live. Larger areas tend to have higher rates, whereas areas with less congestion benefit from lower coverage costs.
The illustration below ranks the highest-priced places in Texas for drivers with a DUI to buy auto insurance in. Plano shows up at #18 with an annual cost of $1,624 for the average policyholder, which is around $135 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Houston | $1,891 |
| 5 | Garland | $1,850 |
| 6 | Laredo | $1,833 |
| 7 | Mesquite | $1,825 |
| 8 | Amarillo | $1,786 |
| 9 | Pasadena | $1,758 |
| 10 | Grand Prairie | $1,757 |
| 11 | Irving | $1,736 |
| 12 | Beaumont | $1,702 |
| 13 | San Antonio | $1,688 |
| 14 | Lubbock | $1,682 |
| 15 | Carrollton | $1,647 |
| 16 | Arlington | $1,642 |
| 17 | McKinney | $1,625 |
| 18 | Plano | $1,624 |
| 19 | Austin | $1,610 |
| 20 | Fort Worth | $1,604 |
| 21 | El Paso | $1,584 |
| 22 | Corpus Christi | $1,572 |
| 23 | Waco | $1,537 |
| 24 | Abilene | $1,499 |
| 25 | Killeen | $1,488 |
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Information shown are estimated as the specific geographic location can impact rates greatly.
The make and model of vehicle that is being insured is a large factor that determines the availability of cheaper car insurance for drivers with a DUI. Vehicles with limited top-end speed, good safety features, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models.
The table below estimates insurance prices for the most affordable automobiles to insure in Texas.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,310 |
| Honda CR-V EX 4WD | $1,429 |
| Ford Escape XLT 4WD | $1,438 |
| Toyota Prius | $1,455 |
| Honda Accord EX-L 4-Dr Sedan | $1,524 |
| Chevrolet Impala LT | $1,552 |
| Jeep Grand Cherokee Laredo 2WD | $1,559 |
| Chevrolet Malibu LS | $1,552 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,606 |
| Ford Explorer XLT AWD | $1,612 |
| Ford Focus S 4-Dr Sedan | $1,623 |
| Toyota Corolla LE | $1,638 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,656 |
| Ford Edge Limited 2WD | $1,663 |
| Toyota RAV4 Limited 2WD | $1,656 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,666 |
| Ford Fusion SEL 4-Dr Sedan | $1,671 |
| Volkswagen Jetta 2.0T Station Wagon | $1,671 |
| Dodge Grand Caravan Hero | $1,690 |
| Ford F-150 Lariat King Ranch 4WD | $1,697 |
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Data assumes single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific garaging location which can influence price quotes substantially.
Based upon these rates, you can expect cars like the Hyundai Elantra, Honda CR-V, Ford Escape, and Toyota Prius are a few of the cheapest vehicles to insure after getting a DUI. The price of auto insurance will tend to be higher because there is more inherent risk for drivers with a DUI, but overall those particular models will most likely have the cheapest car insurance rates available.
Impact of violations and accidents on rates in Plano
A great way to maintain low car insurance premiums after getting a DUI is to drive carefully and have a clean driving record. The chart below shows how violations and at-fault accidents impact insurance costs for different insured age categories. The rate quotes are based on a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
In the previous example, the average cost of car insurance per year with no violations or accidents is $2,718. Add in two speeding tickets and the average cost increases to $3,605, an increase of $887 each year. Then add one accident along with the two speeding tickets and the yearly cost of car insurance for drivers with a DUI goes up to an average of $4,498. That’s an increase of $1,780, or $148 per month, just for not driving responsibly!
The diagram below demonstrates how deductibles can impact insurance premiums when searching for cheap insurance for drivers with a DUI. Data assumes a single female driver, comp and collision included, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could lower rates by $302 a year by switching from a $100 deductible up to a $500 deductible, or save $456 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could drop their prices up to $766 annually just by using higher deductibles. When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough savings set aside to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
The importance of comparing Plano car insurance rates
Plano car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of having a policy. Simply improving your credit, increasing deductibles, or getting a reckless driving citation may cause policy rate changes resulting in some companies being affordable when they were higher priced. Not only may things change on your end, but companies amend pricing without warning in order to maintain liquidity for claims. Unexpectedly high claims can result in rate hikes, while better underwriting can produce lower-cost Plano car insurance rates.
As an example, the chart below shows rates for the cheapest car insurance in Plano, TX for a 40-year-old male driver with no violations or accidents, and good financial standing. When comparing rates based on his personal risk profile, Travelers may offer the lowest car insurance rates in Plano at $1,136 per year. This is $768 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remainder of the most affordable Plano, TX auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart an at-fault accident, slightly worse credit, and a traffic ticket or two. Due to the fact that every auto insurer uses their own method to determining premium rates, comparing insurance quotes most likely will result in a significantly different list of the cheapest companies as shown below.
Mercury now has the lowest price on auto insurance in Plano, TX with State Farm, Nationwide, Safe Auto, and USAA now being in the top five. This demonstrates why it is critical to shop around with many companies when trying to find the most budget-friendly auto insurance quotes for drivers with a DUI. Insurance rates are calculated by many things and change substantially, so the cheapest option the last time you checked may now be quite expensive.
How to find economical auto insurance for drivers with a DUI
It’s not impossible to find cheaper rates, and here are some thrifty ideas that can help Texas drivers quote lower-cost auto insurance.
- Be a cautious driver
- At-fault accidents can raise rates significantly
- Full coverage may not be needed on older vehicles
- Vehicles with good safety ratings are usually cheaper to insure
- Having too many claims will increase rates substantially
- Buying home and auto together can help save money
- Shop your coverage around for the best deal
The last suggestion is incredibly important, as was affirmed in the prior information. Car insurance prices vary greatly, so don’t hesitate to buy a different policy if a more affordable price is available.
Staying with the same car insurance company is fine, but it’s not a good idea if that devotion results in you overpaying hundreds of dollars a year. It only take a few minutes to compare prices to find cheaper insurance for drivers with a DUI in Plano.