Best Auto Insurance Companies for Drivers Who Have a DUI (2023)
The best auto insurance companies for DUI drivers are State Farm, Progressive, and American Family. However, your situation may vary. Most DUI convicted drivers are required to get SR-22, FR-44, or SR-50. In addition, they'll pay about 36% more for insurance. Shopping around and comparing multiple companies can help you secure cheaper rates with the best car insurance companies for DUI drivers.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Dec 9, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 9, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- DUI/DWI generates the highest auto insurance increase
- Some states require that you carry SR-22 to reinstate your driving privileges
- Standard and non-standard auto insurance is more expensive for drivers with a DUI on their driving record
Were you convicted of a DUI or DWI recently? DUI and DWI can stick to your driving history for many years. And DUI/DWI increases your auto insurance rates.
But will auto insurance cover you with a DUI/DWI on your driving record? Don’t worry – our guide explains everything you need to know about the best car insurance companies for DUI drivers.
Also, we’ll teach you the ins and outs of cheap auto insurance with a DUI/DWI on your driving record.
After learning about the best auto insurance companies for DUI drivers, enter your ZIP code in the free online quote tool above to compare the top insurance companies near you.
Table of Contents
What are the best auto insurance companies for DUI drivers?
If you’re looking for the top car insurance for DUI offenders, start with the best insurance companies in the United States.
Let’s look at the average monthly rates of the best auto insurance companies based on DUIs (driving under the influence) on driving records.
| Companies | Monthly Liability-Only Auto Insurance Rates | Monthly Full Coverage Auto Insurance Rates |
|---|---|---|
| Allstate | $266 | $522 |
| American Family | $184 | $361 |
| Farmers | $201 | $393 |
| Geico | $207 | $406 |
| Liberty Mutual | $324 | $634 |
| Nationwide | $193 | $379 |
| Progressive | $169 | $331 |
| State Farm | $155 | $303 |
| Travelers | $244 | $478 |
| USAA | $149 | $292 |
| Average | $209 | $410 |
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On average, DUI/DWI offenders pay about 36% more for auto insurance. USAA is the cheapest car insurance company, but it’s only available to military veterans and their immediate families.
State Farm, Progressive, and American Family are the cheapest companies for drivers with a DUI/DWI on their driving history.
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Which auto insurance companies are cheapest for DUI drivers by the state?
There are many factors that affect auto insurance rates. Where you live is one of the most significant factors that impact your auto insurance quotes for DUI drivers.
We did some research and found the average monthly rate by state. We’ve also included which company is the cheapest in each state.
| States | Monthly Auto Insurance Rates with a Clean Driving Record | Monthly Auto Insurance Rates with a DUI | % Increase | Cheapest Auto Insurance Company in the State |
|---|---|---|---|---|
| Alabama | $156 | $275 | 76% | Alfa |
| Alaska | $131 | $194 | 48% | State Farm |
| Arizona | $256 | $370 | 44% | State Farm |
| Arkansas | $172 | $280 | 63% | State Farm |
| California | $151 | $429 | 184% | Mercury |
| Colorado | $260 | $376 | 45% | State Farm |
| Connecticut | $229 | $463 | 102% | State Farm |
| Delaware | $240 | $369 | 54% | State Farm |
| Florida | $269 | $341 | 27% | State Farm |
| Georgia | $199 | $323 | 62% | Farm Bureau |
| Hawaii | $147 | $471 | 221% | USAA |
| Idaho | $142 | $236 | 66% | State Farm |
| Illinois | $185 | $282 | 53% | State Farm |
| Indiana | $124 | $212 | 72% | USAA |
| Iowa | $138 | $222 | 61% | State Farm |
| Kansas | $170 | $248 | 46% | State Farm |
| Kentucky | $242 | $406 | 68% | State Farm |
| Louisiana | $296 | $432 | 46% | Farm Bureau |
| Maine | $107 | $181 | 69% | State Farm |
| Maryland | $199 | $267 | 34% | State Farm |
| Massachusetts | $180 | $305 | 70% | Progressive |
| Michigan | $756 | $2,260 | 199% | Progressive |
| Minnesota | $176 | $312 | 78% | State Farm |
| Mississippi | $181 | $314 | 74% | State Farm |
| Missouri | $211 | $301 | 43% | State Farm |
| Montana | $191 | $296 | 55% | State Farm |
| Nebraska | $187 | $247 | 32% | State Farm |
| Nevada | $255 | $408 | 60% | State Farm |
| New Hampshire | $168 | $307 | 83% | Progressive |
| New Jersey | $234 | $374 | 60% | NJ Manufacturers |
| New Mexico | $170 | $264 | 56% | State Farm |
| New York | $231 | $328 | 42% | State Farm |
| North Carolina | $126 | $502 | 300% | Farm Bureau |
| North Dakota | $191 | $287 | 51% | State Farm |
| Ohio | $130 | $200 | 54% | State Farm |
| Oklahoma | $205 | $283 | 38% | State Farm |
| Oregon | $194 | $302 | 56% | State Farm |
| Pennsylvania | $150 | $202 | 35% | USAA |
| Rhode Island | $299 | $629 | 110% | USAA |
| South Carolina | $173 | $272 | 57% | State Farm |
| South Dakota | $202 | $311 | 54% | State Farm |
| Tennessee | $156 | $252 | 61% | State Farm |
| Texas | $221 | $380 | 72% | Fred Loya |
| Utah | $200 | $306 | 53% | Progressive |
| Vermont | $145 | $223 | 55% | Progressive |
| Virginia | $137 | $211 | 54% | Farm Bureau |
| Washington | $146 | $241 | 65% | State Farm |
| West Virginia | $176 | $316 | 80% | State Farm |
| Wisconsin | $130 | $206 | 59% | State Farm |
| Wyoming | $177 | $289 | 64% | State Farm |
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The average car insurance rates vary for each state. Overall, State Farm has the cheapest auto insurance rates for DUI drivers in the United States.
Michigan is the most expensive state for car insurance. DUIs/DWIs increase your rates to 199%.
What is DUI auto insurance called?
If you have a DUI and still maintain your car insurance policy, you’ll probably need SR-22 certification.
Some people know SR-22, FR-44, and SR-50 as DUI insurance. But it’s not insurance.
SR-22 is a certification that shows that you have the minimum auto insurance requirement.
FR-44 is limited to Florida and Virginia. It’s a certification that specifically targets DUI convicted drivers and unlicensed drivers that have been convicted of DUI.
Also, FR-44 requires double the minimum requirements.
SR-50 is only in Indiana. It works the same as SR-22 certification. And you’re required to have it if you want to reinstate your driving privileges.
Why is auto insurance for DUI drivers so expensive?
According to the Centers for Disease Control (CDC), 29 people in the United States die from alcohol-impaired driving per day.
To fight against DUI offenses, car insurance companies issue higher rates to offset the risk of filed claims and to deter drivers from driving while intoxicated (DWI).
However, there’s a way around those high costs. Continue reading to learn how you can put the brakes on expensive auto insurance.
How do I get cheap auto insurance for DUI drivers?
You won’t find any DUI insurance tricks, but you can find car insurance discounts. A DUI/DWI doesn’t disqualify you from getting a discount.
Check out this list of discounts to see how much you can save.
| Auto Insurance Discount Categories | Discount Options Available |
|---|---|
| Personal Statistics Discounts | Newlyweds Good Credit Married Membership/Group Non Smoker/Drinker Occupation Recent Retirees Renter Homeowner Federal Employee Engaged Couple Senior Driver Stable Residence Volunteer |
| Policyholder Discounts | Full Payment Early Signing Continuous Coverage Loyalty Family Legacy Family Plan Fast 5 Multiple Drivers Multiple Policies Multiple Vehicles New Address New Customer/New Plan On-Time Payments Online Shopper Paperless Documents Paperless/Auto Billing Switching Provider |
| Safe Driver Discounts | Claim Free Defensive Driver Driving Device/App Low Mileage Occasional Operator Safe Driver Seat Belt Use Roadside Assistance Farm Vehicle Garaging/Storing Your Vehicle Utility Vehicles |
| Vehicle Discounts | Adaptive Headlights Adaptive Cruise Control Anti-lock Brakes Anti-Theft Daytime Running Lights Electronic Stability Control Forward Collision Warning Green Vehicle Lane Departure Warning Newer Vehicle Passive Restraint VIN Etching Vehicle Recovery |
| Young Driver Discounts | Driver's Ed Distant Student Further Education Good Student Young Driver New Graduate |
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Several factors determine whether affordable auto insurance for DUI drivers is available. But discounts can help you get better bargains.
Ask your agent what deals are available to you so that you can lower your monthly payments.
The Best Auto Insurance Companies for DUI Drivers: What’s the bottom line?
The best car insurance company for DUI drivers is the one that meets the needs of the driver. Although DUI increases your rates much higher than average, you can secure cheaper rates through discounts.
Before you buy auto insurance for DUI drivers, use our free online quote tool to compare multiple companies in your area.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions: Best Auto Insurance Companies for DUI Drivers
Do you want to know more about DUI’s effect on car insurance? Check out the answers to these frequently asked questions.
#1 – How do auto insurance companies know that I have a DUI?
When you enter your driver’s license information or Social Security Number, the car insurance company can review your driving and insurance history.
#2 – Can auto insurance companies deny a policy because of a DUI?
The short answer is yes. If a car insurance company believes you’re too risky to insure, they will deny your coverage request.
#3 – How can I bounce back from a DUI?
The best way to bounce back from a DUI is to avoid traffic violations for at least three years.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Rachel Bodine |
|
Reviewed by
Daniel Walker
|