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A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.

In Texas, a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. Texas law considers these offenses serious, and as a result, insurance companies may increase premiums significantly, sometimes by an average of 80% or more. This is because a DUI/DWI conviction indicates a higher risk for insurers. Additionally, if a driver has multiple DUI/DWI convictions, it becomes even more challenging to find an insurance provider willing to offer coverage, as the risk is deemed too high. Furthermore, a DUI/DWI can lead to the suspension or revocation of a driver's license, which also affects insurance eligibility and rates. The Texas Department of Public Safety is responsible for driver's license suspensions, and the period of suspension can vary based on the offense and the driver's history. During the suspension or revocation period, maintaining insurance is crucial to avoid further legal complications. Once the driver's license is reinstated, the driver may be required to file an SR-22 form, which is a financial responsibility insurance certificate, to prove that they have the minimum liability coverage required by Texas law.

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