The make and model of vehicle driven is a significant factor when shopping for low-cost auto insurance for drivers with a DUI. Vehicles with lower performance, good safety features, or a positive history of liability claims will cost significantly less to insure than higher performance models.
The information below presents auto insurance premiums for a number of the more affordable automobiles to insure in Texas.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$1,415|
|Honda CR-V EX 4WD||$1,511|
|Ford Edge SE 2WD||$1,615|
|Chevrolet Equinox LS AWD||$1,640|
|Jeep Grand Cherokee Laredo 4WD||$1,645|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,671|
|Chevrolet Malibu LT||$1,678|
|Ford F-150 STX Super Cab 4WD||$1,684|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,697|
|Ford Explorer XLT 4WD||$1,702|
|Hyundai Elantra Blue 4-Dr Sedan||$1,700|
|Honda Odyssey EX||$1,715|
|Chevrolet Impala LS||$1,723|
|Volkswagen Jetta 2.0T Station Wagon||$1,744|
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Data based on single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can modify coverage rates considerably.
Based upon the rates shown, we can conclude that cars like the Ford Escape, Honda CR-V, and Ford Edge will definitely be a few of the most economical vehicles to insure after getting a DUI. Auto insurance rates will be more expensive because there is more liability exposure for drivers with a DUI, but generally speaking those vehicles will tend to have the least expensive rates possible.
After getting a DUI, one of the more important factors that are looked at to help calculate car insurance rates is where your residence is in Fort Worth. More populated areas tend to have higher auto insurance costs, whereas more rural areas have the enjoyment of a little cheaper coverage.
The information below sorts the highest-priced places in Texas for drivers with a DUI to purchase car insurance in. Fort Worth is ranked #17 with an annual premium of $1,653 for the average insurance policy, which is about $138 each month.
|Rank||City||Average Per Year|
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Rate information is comparative as the specific Fort Worth residence address can lower or raise auto insurance rates noticeably.
Finding dependable, low-cost auto insurance is not most people’s favorite thing to do, and finding out which companies quote the best car insurance rates for drivers with a DUI calls for even more perseverance. Each auto insurer has their own guidelines to set policy rates, so let’s begin by taking a look at the lowest cost car insurance companies in Texas.
It’s important that readers know that Texas car insurance rates are calculated based on many things that can increase the cost of coverage. This price fluctuation is why it is important to compare many different companies to get the best insurance quotes for drivers with a DUI. Insurance prices can be altered by many things and can change without notice, so the most economical company the last time you checked may now be an over-priced policy.
Cheapest Insurance Rates after a DUI
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers normally has some of the lowest car insurance rates in Fort Worth at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the best Fort Worth, TX car insurance companies.
In the rate table above, if you are a customer of Esurance and switched to USAA, you could earn a yearly savings of approximately $270. Policyholders with California Casualty could save as much as $329 a year, and State Farm insureds might see rate reductions of $400 a year.
These prices are averages across all types of insureds and vehicles and do not take into consideration a specific location for drivers with a DUI. So the car insurance company that is best for you may not even be in the top 23 companies shown above. That underscores the importance of why you need to get rate quotes using your own driver information and specific vehicle type.
Discounts on Fort Worth car insurance
Insurers that offer quotes for drivers with a DUI may have price discounts that could reduce prices by as much as 40% or more if you meet the requirements. A few of the larger companies and their possible discounts are included below.
- American Family policyholders can earn discounts including Steer into Savings, defensive driver, accident-free, good driver, and good student.
- State Farm has savings for accident-free, passive restraint, good driver, multiple policy, good student, defensive driving training, and Steer Clear safe driver discount.
- 21st Century offers discounts including teen driver, anti-lock brakes, student driver, 55 and older, and defensive driver.
- Travelers may have discounts that include early quote, multi-policy, save driver, IntelliDrive, and multi-car.
- GEICO may offer discounts for defensive driver, multi-vehicle, air bags, seat belt use, driver training, and daytime running lights.
The illustration below shows the difference between yearly insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, three violations and no accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, vehicle safety, marriage, homeowner, paperless filing, and passive restraint discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on car insurance for drivers with a DUI is 28% or $796.
Full coverage rates compared to liability only
Paying a lower price for car insurance is the goal of the majority of people, and a great way to buy cheap insurance for drivers with a DUI is to not insure for full coverage. The information below shows the comparison of insurance rates with liability coverage only compared to full coverage. The prices are based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are factored in.
If averaged out across all ages, physical damage insurance costs $2,922 per year more than just buying liability insurance. That raises the question if it’s worth it to buy full coverage. There is no set rule of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
Who has the cheapest Fort Worth car insurance?
Fort Worth car insurance rates are calculated based on many things that may substantially change the cost of having a policy. Simply having a birthday, moving to a new city, or having an at-fault accident can trigger changes in premium that can make some companies cheaper than before.
Not only may things change on your end, but auto insurance companies modify pricing as often as every three months to adjust for gains or losses. Unexpectedly high claims may cause higher prices, while a better loss history may produce lower-priced Fort Worth car insurance rates.
To help illustrate this point, the chart below shows which companies have the cheapest car insurance in Fort Worth, TX for a 45-year-old female driver with a good driving record, no prior claims, and a good credit rating. When quoting prices based on her current risk profile, Travelers has the best car insurance rates in Fort Worth at $1,122 each year. This is $782 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the most affordable Fort Worth, TX auto insurance companies.
Let’s now give the driver from the first rate comparison a chargeable claim, poor credit, and a few blemishes on her driving record. Since each company uses their own formula for determining prices, comparing quotes may now show a new list of companies as shown below.
Mercury now has the cheapest insurance rate in Fort Worth, TX with State Farm, USAA, Nationwide, and Safe Auto completing the list. This example proves why it is so important to shop around with many companies when trying to find the lowest car insurance quotes for drivers with a DUI.
Auto insurance prices are impacted by many things and can decrease or increase without notice, so the cheapest rate the last time you shopped around may now be one of the higher cost companies.
If you prefer to have a professional recommendation when shopping for cheaper insurance for drivers with a DUI, the insurance agencies listed below can most likely help you make a decision which coverage fits your budget.
To locate a Fort Worth auto insurance agent close to where you live, click the link at the bottom.
Doc Jackson Insurance Agency
3305 Miller Ave – Fort Worth, TX 76119 – (817) 535-5000
Laura Geninatti – State Farm Insurance Agent
7510 Davis Blvd Ste A – Fort Worth, TX 76182 – (817) 281-1191
Clint Goin – State Farm Insurance Agent
7420 N Beach St #234 – Fort Worth, TX 76137 – (817) 485-5660
Hall Insurance Agency, Inc.
3559 Williams Rd Suite 110 – Fort Worth, TX 76116 – (817) 370-0125
Tips for buying economical insurance for drivers with a DUI
The list below details some of the recommended money-saving suggestions that can help drivers buy lower-cost coverage.
- Higher comprehensive and collision coverage deductibles will save money
- Do not waste money insuring older vehicles for full coverage
- Do not get tickets or violations
- Frequent claims will increase rates
- Accident-free drivers may qualify for discounts
- Compare rates often to find the best deal
That last tip is remarkably crucial, as was pointed out in this write-up. Coverage rates can be adjusted at any time, so don’t be afraid to buy from a new company if a lower price can be found. Brand loyalty is not necessarily bad, but it’s not a great idea if that dedication is costing potentially thousands of dollars a year. Now is a great time to shop around and find cheaper car insurance for drivers with a DUI in Fort Worth.