Best Auto Insurance Companies for Drivers Who Have a DUI (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 7, 2021

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Things to Remember

  • 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.

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.

Monthly Full Coverage & Liability-Only Auto Insurance Rates by Company for One DUI
CompaniesMonthly Full Coverage Car Insurance Rates with a Clean Driving RecordMonthly Full Coverage Auto Insurance Rates with One DUIMonthly Liability-Only Car Insurance Rates with a Clean Driving RecordMonthly Liability-Only Auto Insurance Rates with One DUI
Allstate$318$522$162$266
American Family$224$361$114$184
Farmers$288$393$147$201
GEICO$179$406$91$207
Liberty Mutual$398$634$203$324
Nationwide$229$379$117$193
Progressive$283$331$144$169
State Farm$235$303$120$155
Travelers$287$478$147$244
USAA$161$292$82$149
Average$260$410$133$209
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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.

Average Monthly Auto Insurance Rates by State and Driving Record
StatesMonthly Auto Insurance Rates with a Clean Driving RecordMonthly Auto Insurance Rates with a DUI% IncreaseCheapest Auto Insurance Company in the State
Alabama$156$27576%Alfa
Alaska$131$19448%State Farm
Arizona$256$37044%State Farm
Arkansas$172$28063%State Farm
California$151$429184%Mercury
Colorado$260$37645%State Farm
Connecticut$229$463102%State Farm
Delaware$240$36954%State Farm
Florida$269$34127%State Farm
Georgia$199$32362%Farm Bureau
Hawaii$147$471221%USAA
Idaho$142$23666%State Farm
Illinois$185$28253%State Farm
Indiana$124$21272%USAA
Iowa$138$22261%State Farm
Kansas$170$24846%State Farm
Kentucky$242$40668%State Farm
Louisiana$296$43246%Farm Bureau
Maine$107$18169%State Farm
Maryland$199$26734%State Farm
Massachusetts$180$30570%Progressive
Michigan$756$2,260199%Progressive
Minnesota$176$31278%State Farm
Mississippi$181$31474%State Farm
Missouri$211$30143%State Farm
Montana$191$29655%State Farm
Nebraska$187$24732%State Farm
Nevada$255$40860%State Farm
New Hampshire$168$30783%Progressive
New Jersey$234$37460%NJ Manufacturers
New Mexico$170$26456%State Farm
New York$231$32842%State Farm
North Carolina$126$502300%Farm Bureau
North Dakota$191$28751%State Farm
Ohio$130$20054%State Farm
Oklahoma$205$28338%State Farm
Oregon$194$30256%State Farm
Pennsylvania$150$20235%USAA
Rhode Island$299$629110%USAA
South Carolina$173$27257%State Farm
South Dakota$202$31154%State Farm
Tennessee$156$25261%State Farm
Texas$221$38072%Fred Loya
Utah$200$30653%Progressive
Vermont$145$22355%Progressive
Virginia$137$21154%Farm Bureau
Washington$146$24165%State Farm
West Virginia$176$31680%State Farm
Wisconsin$130$20659%State Farm
Wyoming$177$28964%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.

Types of Auto Insurance Discounts Available
Auto Insurance Discount CategoriesDiscount 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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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.

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