DWI and Insurance Rates
DWI and Insurance Rates in Houston
When it comes to an arrest for DWI and insurance rates, you may wonder how a conviction impacts your premiums. In the state of Texas, someone who causes a car accident must pay for the damages to the other person’s property. Additionally, you need to prove you have the ability to pay for these damages in order to lawfully operate a motor vehicle.
For many people, this comes in the form of car insurance and liability insurance. Your liability insurance covers damages such as repairs to the other vehicle, medical expenses, and potentially even lost wages. On its own, car insurance can be quite expensive. Unfortunately, a conviction for driving while intoxicated (DWI) causes those costs to rise significantly.
Any Houston DWI lawyer will tell you that increased insurance premiums are only one example of how a DWI impacts your life. Still, it’s important to remember that an arrest is not a conviction. You have an opportunity to defend yourself.
With the right DWI defense attorney, Houston drivers have a chance to have the charges dropped or reduced. In certain cases, an experienced attorney can win an acquittal at your trial. If you need a Houston DWI lawyer, Herman Martinez’s results speak for themselves. Schedule a free consultation today to see how our team will fight for you.
Minimum Requirements for Car Insurance in Texas
In Texas, drivers must comply with the financial responsibility law mentioned above. To do so, you must purchase a minimum amount of liability coverage. So ing as you provide this minimum, you are in compliance.
In Texas, the minimum limit is $30,000 for every person injured – up to $60,000 per accident. Moreover, your policy must provide at least $25,000 for property damage. Oftentimes, we refer to this coverage as 30/60/25.
Additionally, you have the option to purchase more than this minimum. For some, it’s a good idea to invest in robust coverage. This is because newer vehicles cost more than $25,000. Moreover, in a major car accident, medical costs rise well above $30,000 per person. While your liability insurance covers costs to a point, the damages beyond the limit are on you.
On another note, it’s important to remember that this policy covers liability alone. This means it does not cover your injuries or damage to your vehicle. After a car accident, comprehensive coverage removes a great deal of pressure.
Average Costs of Insurance Rates in Houston, TX
On average, Houston drivers face higher liability insurance costs than many others in the State of Texas. According to one study, Houston drivers pay an average of $930 each year to cover liability insurance. Across Texas, the average for other drivers is about $677 per year.
In a general sense, this study shows that insurance rates are higher in urban areas. Annual premiums in larger cities are $200-300 more expensive annually. In part, this is due to the commuter culture in cities like Houston.
Oftentimes, people spend more than an hour commuting one-way to work each day. With a population spread across the Greater Houston Area, it’s not difficult to see why costs are higher.
DWI and Insurance Rates
You might already know that a DWI conviction carries consequences like fines and jail time. However, did you know that after a conviction of DWI, insurance rates rise significantly?
According to a study, insurance premiums go up significantly following a DWI conviction across the Unites States. The increase varies by state but ranges from 28% to 371%. On average, insurance rates in Texas increase by 59%.
However, in certain cases, your provider might drop your coverage completely. For many providers, a single DWI conviction is enough to cancel or non-renew your policy. This leaves you in a lurch as you struggle to find new coverage.
This makes things worse because a canceled policy similarly leads to an increase in premiums. Additionally, a DWI in Texas stays on your record forever unless you work proactively to remove it. Unlike other states, Texas does not have a “washout period” that takes a DWI off your records.
That means DWI and insurance rates have an extensive impact on your life. Luckily, a Houston DWI lawyer with decades of experience knows how to remove a DWI from your record and request expunction. Still, the best way to keep your driving record clear is to avoid the conviction altogether.
In Houston, DWIs are defensible. At The Martinez Law Firm, we have the expertise and experience necessary to fight for an acquittal. Schedule a free case evaluation today to see how our DWI defense team can help.
DWI and Insurance Rates Are Avoidable
While increased liability insurance costs vary across Texas and by an array of other factors, the end result is always a higher premium. Like most people, that 59% increase in your liability premium probably breaks your budget. Luckily, a DWI arrest does not mean your premiums go up.
You have options when your hire a Houston DWI lawyer like Herman Martinez. It’s possible to win your case and avoid conviction and consequences. However, you need someone with the right experience who knows how to pursue the best possible outcome.
If you face DWI charges in Houston, our DWI defense team is ready to help. Herman Martinez has decades of experience working in Houston and Harris County. We approach every case in a unique way because no case is the same.
Let us show you your best path to avoid a future of DWI and insurance rates. Schedule your free consultation today.