What effect does a DWI conviction generally have on a driver's insurance in Texas?

A DWI (Driving While Intoxicated) conviction in Texas typically results in raised insurance premiums because insurance companies assess risk based on driving history. A DWI conviction indicates a higher risk for insurers, leading them to increase premiums to account for the likelihood of future claims. This is in line with the principle that drivers with more serious infractions or convictions represent greater risks. Additionally, insurers often classify drivers with a DWI as high-risk, which can also lead to the need for specialized high-risk insurance, which is usually more expensive than standard policies.

In Texas, after a DWI conviction, drivers may also face SR-22 requirements, which is a form of insurance that proves one has the necessary coverage. Obtaining SR-22 can further elevate insurance costs. Overall, the significant impact of a DWI conviction on insurance is primarily about the elevated risk perception by insurance companies leading to higher premiums.