Cheap Auto Insurance After a DUI (2023)
Auto insurance rates for drivers with a DUI average $209/mo, or 74% higher than average. However, you can find cheap DUI insurance from top companies such as State Farm and Progressive. We'll help you find the best high-risk auto insurance companies for DUI drivers, compare quotes, and get cheap DUI coverage.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Nov 30, 2023
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: Nov 30, 2023
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
- Auto insurance for drivers with a DUI costs 74% more, or $209 monthly on average
- Certain companies, like State Farm and Progressive, offer the best DUI insurance rates
- You can save money on DUI auto insurance coverage by comparing quotes from various companies
Finding auto insurance for drivers with a DUI can be difficult, though many high-risk auto insurance companies offer coverage catered to them. A DUI significantly impacts auto insurance quotes, causing an average increase of 74%.
Still, some companies offer cheap DUI insurance to drivers looking for affordable rates. To find the best auto insurance for a DUI, you must shop online and compare quotes from your area’s best auto insurance companies.
Enter your ZIP code above to get started on finding the best insurance for a DUI.
Average DUI Auto Insurance Rates
On average, car insurance rates increase by 74% after a DUI, averaging $209 monthly. In comparison, a person with a speeding ticket pays about 24% more, and someone at fault in an accident could pay around 47% more for auto insurance.
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However, there are several other factors that affect auto insurance rates for drivers with a DUI, like age, gender, ZIP code, credit score, and more.
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Best Auto Insurance Companies for Drivers With a DUI
DUI car insurance quotes vary for several reasons. Still, certain companies tend to charge higher rates for coverage than others.
Take a look at the table below to see the best DUI auto insurance rates by company:
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
State Farm auto insurance has the best insurance rates for a DUI on average, charging $112 monthly. The second best insurance rates for a DUI is Progressive auto insurance, which costs $140 monthly on average for full coverage.
If you have a clean record, Geico auto insurance offers average rates of $80 monthly, though you’ll pay $216 monthly for DUI auto insurance coverage. In addition, Nationwide auto insurance and Allstate auto insurance cost $234 and $270 a month, respectively.
As you can see, while one company may offer lower rates for car insurance after a DUI, it may offer higher rates if you have a clean record. So, comparing DUI car insurance quotes is important to get the best rates. Keep reading to learn more about the best auto insurance companies for high-risk drivers.
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 |
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%
How a DUI Conviction Impacts Auto Insurance
A rate increase will be the most significant change to your car insurance after a DUI conviction. However, your auto insurance company may also drop your coverage, leaving you wondering how to get auto insurance with a DUI.
As a high-risk driver, you may need to consider non-standard car insurance companies offering coverage to people with poor driving records. Unfortunately, you’ll pay higher rates based on your status as a high-risk driver, but it’s important to find DUI auto insurance coverage before driving.
Rate increases for people with a DUI vary from state to state. For example, people in Washington may pay around 33% more for car insurance coverage following a DUI or DWI conviction, whereas people in North Carolina typically pay about 300% more for coverage.
When looking for cheap car insurance with a DUI, it’s essential to compare rates from multiple companies based on where you live. Doing so will help you determine which company offers the best insurance for a DUI in your area.
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.
How Auto Insurance Companies Learn About My DUI
So, you might be wondering how auto insurance companies check driving records. Most companies request copies of people’s driving records before offering them a policy. Any DUIs, accidents, tickets, or violations will appear when a company requests a copy of your driving record.
Even if you maintain a policy with the same company following your conviction, your insurer will learn about your DUI, particularly if you file a claim. Even if you don’t, your insurance company will likely check your driving record every year.
You may also be required to get SR-22 auto insurance with your insurance company following your DUI conviction. If this happens, your company will increase your rates immediately or drop you as an auto insurance policyholder.
However, you can still find affordable DUI insurance by shopping for quotes online.
How Long a DUI Affects Auto Insurance Rates
Expect your rates to increase for three to five years after your DUI conviction. However, the amount of time a DUI affects rates differs depending on driving history, insurance company, and location.
For instance, in some states, like North Carolina, insurance companies can only look back on a driving record for three years. Other states, like Massachusetts, allow five years. So you’ll need to research your state’s laws to understand better how long your DUI insurance rates will be high.
High-Risk Auto Insurance for DUI Drivers
Insurance companies may label you a high-risk driver if you have multiple DUIs on your record or a DUI with other serious driving infractions. As a result, some companies refuse to offer high-risk auto insurance for DUI drivers.
However, everyone needs insurance, and some auto insurance companies work specifically with high-risk drivers. Usually, high-risk companies are regional or local, but some national companies are:
High-risk auto insurance for DUI drivers is more expensive and offers fewer options.
Suppose you can’t find a company willing to offer you car insurance after a DUI. In that case, you can access your state’s Automobile Insurance Plan Service Office, which offers coverage for people that can’t find insurance anywhere else.
This coverage offers the minimum auto insurance required by your state. While your vehicle won’t be covered if you get in an accident, it’ll help you pay for the property or bodily damage you cause.
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.
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How to Lower Auto Insurance Rates With a DUI on Your Record
If you have a DUI on your driving record, you could lower your rates by doing one or more of the following:
- Prove you’re a good driver. Many auto insurance companies offer usage-based programs that track your driving habits. You could enroll in a usage-based program and allow companies to monitor your acceleration, braking patterns, and other things.
- Compare quotes. Before committing to any company, compare DUI car insurance quotes from multiple companies to see which offers the cheapest insurance for a DUI. Read more about how to evaluate auto insurance quotes from several providers at once.
- Ask about discounts. A DUI/DWI doesn’t disqualify you from getting a discount. Auto insurance discounts can help you save up to 25% on your DUI auto insurance coverage. If you have a DUI on your record, you could get a discount for completing a safe driving course or having a vehicle with safety features.
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 |
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.
Once you find a company you like, consider comparing quotes to find the cheapest DUI insurance rates. Doing so could help you save hundreds of dollars on auto insurance coverage.
How to Buy Cheap Auto Insurance Coverage After a DUI Conviction
While the consequences of a DUI are severe and long-lasting, there are ways you can save money on your car insurance. If you avoid adding more infractions to your driving record, your rates will eventually decrease. In addition, companies like State Farm and Progressive offer cheap DUI insurance.
Unfortunately, there’s no DUI insurance trick to help you get cheap rates. However, you can still save money by comparing the cheapest DUI auto insurance quotes with as many companies as possible.
Frequently Asked Questions
What is the cheapest car insurance with a DUI?
State Farm has the cheapest DUI insurance, averaging $112 monthly for full coverage auto insurance. You’ll also find affordable DUI auto insurance with Progressive, which costs $140 monthly on average. However, it’s vital to compare DUI car insurance quotes, since companies consider other factors when setting rates.
How much does a DUI raise your auto insurance rates?
Auto insurance for drivers with a DUI increases by 74% on average, amounting to $209 monthly. However, DUI insurance rates vary based on several factors, including chosen company and driving characteristics.
Is there a trick to getting cheaper auto insurance after a DUI?
There’s no DUI insurance trick for getting cheap coverage following a DUI conviction. Your best bet is to pursue discounts, compare DUI car insurance quotes, and keep your driving record clean in the future.
How do insurance companies find out about your DUI?
Most insurers discover your DUI conviction by checking your driving record. So, not telling insurance about DUI won’t prevent rate increases since the company checks your record anyways.
What’s an SR-22?
SR-22 auto insurance proves you have financial responsibility in the event of a car accident. Some states require people to file an SR-22 after getting a DUI. Many car insurance companies will file an SR-22 on their client’s behalf.
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.
Does USAA drop you if you get a DUI?
USAA auto insurance for drivers with a DUI may be more expensive, or you could get dropped. You’ll pay about $108/mo for USAA auto insurance after a DUI, almost double the average for drivers with a clean record.
Will insurance cover a totaled car with a DUI?
Generally, your auto insurance will still pay out even after a DUI. However, it depends on the terms and conditions of your policy.
Can my auto insurance increase if I wasn’t in an accident but got a DUI?
Auto insurance rates for drivers with a DUI may still go up after a conviction. Your DUI suggests you’re a risk on the road due to poor judgment, even if you weren’t in an accident.
How does a DUI affect auto insurance rates?
A DUI conviction typically has a significant impact on auto insurance rates. Insurance companies view drivers with a DUI as high-risk individuals, increasing the likelihood of accidents and insurance claims. As a result, premiums for auto insurance policies are often higher for individuals with a DUI.
How long does a DUI affect auto insurance rates?
The duration of time a DUI affects auto insurance rates can vary depending on the insurance company and state regulations. In general, a DUI conviction remains on your driving record for several years, typically between three and ten years. During this period, insurance companies are likely to consider you a high-risk driver, resulting in higher DUI car insurance premiums.
Are there specialized insurance companies that cater to drivers with a DUI?
Yes, there are insurance companies that specialize in providing coverage to high-risk drivers, including those with a DUI. These companies typically offer policies known as “non-standard” or “high-risk” insurance. While the premiums may still be higher than average, they may provide more affordable DUI auto insurance coverage options compared to traditional insurance companies.
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.
Is it possible to remove a DUI conviction from my driving record and improve my insurance rates?
The process to removing a DUI conviction from your driving record varies by jurisdiction. In some cases, you may be able to expunge or seal the DUI conviction, effectively removing it from public view. However, insurance companies may still have access to certain records or databases that show your full driving history. It’s best to consult with a legal professional familiar with the laws in your area for guidance on record expungement.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
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.