Texas Car Insurance — SR-22, DUIs, and Teen Drivers
Auto insurance providers have a category they call “high-risk” motorists. Drivers in this category often face higher automobile insurance rates than others. This group most often includes individuals convicted of a DUI, teenage drivers, and others required by courts to file an SR-22 to be able to drive. However, just being in this group does not mean that cheap car insurance in Texas is an impossibility. If you fall into one of these categories, the information below is worth reading in your search for affordable insurance.
TX Teenage Driver Car Insurance
GDL (Graduated Driver Licensing) laws are becoming common in most states. These laws affect teenage motorists and their driving rights. The GDL laws establish restrictions on teenagers while allowing them time to gain experience driving. A summary of GDL laws for teenagers in Texas is as follows:
GDL Law Requirements Texas
|Learner’s permit||15 years and 6 months|
|Mandatory Learner’s Permit Hold||6 months|
|Supervised Practice Driving||None|
|Unsupervised Nighttime Driving Ban||None|
|Cell Phone Use||Prohibited (with the exception of emergencies)|
DUI Insurance Coverage in Texas
Texas takes the issue of DUI very seriously. For the first DUI offense in the state of Texas, you face dealing with the following penalties: time in prison from 72 hours to 180 days (up to 180 days to 2 years in prison when a minor under the age of 15 is found in the vehicle when stopped); suspension of driving license for between 90 days to a full year; up to a $2,000 fine (which increases to $10,000 when anyone under 15 is found in the vehicle); plus annual DUI surcharges for up to three years (this can total $2,000 when your BAC is 0.16 or above). Having a DUI conviction on your record can make getting cheap car insurance in Texas a serious challenge.
Finding SR-22 insurance in Texas
The necessity of a motorist filing an SR-22 is limited to certain special cases, normally associated with conviction of having a serious violation of the driving laws. One example of such a case is being convicted of driving without the required minimum insurance coverage. Of course, conviction of a DUI is a common reason for being required to file SR-22 insurance. When convicted of these are other violations, your license is often suspended. Filing an SR-22 with the state is usually required to get the driving license reinstated. That is the case in the state of Texas, where filing an SR-22 financial responsibility form is a standard requirement to be able to resume driving.
Since there are minimum insurance requirements to drive legally in the state, it is worth your time to search for cheap auto insurance in Texas. Many people find all the regulations, laws and paperwork to be somewhat intimidating. However, with Texascarinsurancerates.net, we make the process quick and easy. You can use our quote widget to search for the absolute best rates available for your coverage!
You can use the quote generator below to easily find the best auto insurance rates for your specific needs!
Don’t forget to look for savings in these major Texas Cities: