A DWI conviction triggers an SR-22 filing, a non-standard rate class, and a 3–5 year period of higher premium. The good news: it's not permanent, and you can manage it.
Immediate steps
- File the SR-22 within 30 days of the court order
- Switch to a carrier that specializes in high-risk policies
- Maintain continuous coverage — any lapse resets the SR-22 clock
Reducing the cost over time
- Complete an approved defensive driving course
- Maintain a clean record after the conviction
- Re-shop every renewal
- Move back to standard market after 3 years of clean driving
Frequently asked questions
How long is SR-22 required in Texas after a DWI?
Typically two years from conviction.
How much more will I pay after a DWI?
Usually 50–150% more than your prior standard rate.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.