A conviction for marijuana possession in Texas can affect your auto insurance. Some states automatically suspend your driver’s license for drug convictions such as marijuana possession, whether there was intent to distribute or not.
Texas is one of the states that will automatically suspend your license, even if you were not in your car. Auto insurance companies typically only raise your rates for convictions related to traffic offenses. Limits on your license could affect whether or not your carrier decides to increase your auto insurance rate. Other situations related to marijuana possession could also affect your auto insurance rates and coverage.
When Marijuana Possession Could Affect Texas Auto Insurance Rates
The first major factor is how and where you possessed the marijuana. As noted, even if you were not in your car when you possessed marijuana, your license could be suspended for any drug conviction in Texas, including marijuana without the intent to sell. The impact of your conviction is indirect because it relates to your driver’s license.
Your auto insurance is more directly impacted when you are accused of driving while under the influence. Driving while under the influence of marijuana is covered by Texas DWI laws which include situations in which someone does not have the normal use of his or her faculties because he or she has used marijuana. This is a more direct “use” of the vehicle in relation to the possession of marijuana, which will also result in the suspension of your driver’s license.
If you do not have a valid driver’s license, some insurance companies will refuse or cancel auto insurance coverage. To get your driver’s license reinstated, you may be required to submit additional proof of coverage in the form of an SR-22 certificate from your auto insurance provider. Some carriers will consider this an addendum to your policy, thereby increasing your policy rates.
How DUI and Criminal History Impact Texas Auto Insurance Rates
Once you get past a suspension, if you are convicted of driving while under the influence of marijuana, your auto insurance rates will probably increase substantially. How much will depend on your prior criminal history, driving history, and your auto insurance company. Although insurance companies are subject to state regulations, the amount charged is based on a contractual agreement between you and the carrier.
A final potential impact on your auto insurance is your criminal history in general. If you have been previously convicted of driving while under the influence of marijuana and are subsequently, repeatedly convicted for possession of marijuana, some insurance carriers may view you as a greater risk because you do not appear to be handling your addiction issues. Your auto insurance carrier can, therefore, adjust its risk by charging you a higher premium.
Getting Help
Every conviction, even a conviction for marijuana possession, tends to have several collateral consequences, including increased auto insurance rates. Before you enter a plea, consult with a drug attorney in Texas to learn about your options and liability for a marijuana possession charge.
For more information on DUI insurance consequences, see our article How a DUI Affects Your Car Insurance.
Follow this link for more information about Texas Marijuana Laws and Texas Medical Marijuana Laws