Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 18, 2020

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Here's what you need to know...

  • Driving under the influence is against the law and will result in higher DUI insurance rates
  • Driving under the influence and driving while intoxicated are both considered high-risk activities by all auto insurance companies
  • If you have a DUI or DWI, that substantially increases the risk of causing physical harm or fatality to another driver and will result in you having to purchase drunk driving insurance coverage (SR-22)
  • The purpose of an SR-22 form is to ensure that drivers who are considered high risk have the necessary liability required by state auto insurance laws
  • How long does a DUI affect insurance? DUI/DWI violations can stay on your driving record for up to 10 years in some states.
  • Finding the best auto insurance for DUI drivers will require shopping around and comparing quotes

Is cheap auto insurance with a DUI possible? On the list of things that will make it difficult to find affordable insurance, a DUI conviction is among the worst. The insurance industry works on a system of risk assessment. Is cheap auto insurance with DUIs possible?

Having a DUI on one’s record is a major red flag for pretty much every company out there. With that being said, a DUI is not a car insurance death sentence. You can find low-cost DUI insurance rates if you are willing to comparison shop.

Many people have found it possible to get the cheapest auto insurance even with a DUI violation on the ledger.

There is no cheap DUI insurance trick, other than just to shop around and compare drunk driving insurance coverage rates from many different insurance companies offering DUI insurance coverage. (And, no, if you think not telling the insurance company about your DUI accident is a good idea, then think again. Be honest and upfront, because they will find out).

Enter your zip code into our free auto insurance comparison tool to compare cheap quotes now for car insurance for DUI offenders.

DUI Auto Insurance Rates

How much is auto insurance after a DUI? Will Geico insure me with a DUI or what about Progressive DUI insurance?

To give you an idea of what rates will be like after a drunk driving accident, we partnered with Quadrant to bring you average DUI insurance rates. 

DUI Auto Insurance Rates
Company Rates with Clean recordRates With 1 DUIPrice Increase
Allstate$3,819.90$6,260.73$2,440.83
American Family$2,693.61$4,330.24$1,636.63
Farmers$3,460.60$4,718.75$1,258.15
GEICO$2,145.96$4,875.87$2,729.91
Liberty Mutual$4,774.30$7,613.48$2,839.18
Nationwide$2,746.18$4,543.20$1,797.02
Progressive$3,393.09$3,969.65$576.56
State Farm$2,821.18$3,636.80$815.62
Travelers$3,447.69$5,741.40$2,293.71
USAA$1,933.68$3,506.03$1,572.35
Average$3,123.62$4,919.62$1,795.99
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What is the cheapest auto insurance with a DUI? Based on the average rates, the average cost of insurance after a DUI is $4,919. This is expensive, and it is just for one DUI.

But who has the cheapest auto insurance for DUI? Based upon these rates, it looks like USAA and State Farm have the best auto insurance rates.

To keep rates low, shop around for quotes and take advantage of discounts.

Exactly how long will a DUI affect insurance rates? Is Progressive DUI insurance the cheapest? What about Geico DUI/DWI insurance rates? It depends on the laws in your state, but generally, a DUI will stay on your record for at least a few years, and rates will vary from company to company and state to state.

In some states, a DUI is on your record for over a decade. 

How long does a DUI affect your auto insurance rates?

How long a DUI stays on your auto insurance depends on the state where you had the offense. Some states keep it on your record for 15 years or more.

  • How long a DUI remains on a driving record varies from state to state
  • Barring an expungement, a DUI does not drop from a criminal record
  • High-risk insurance policies are commonly purchased by those whose DUI record forces premiums to be high
  • High premiums are a reaction to the potential added risk a driver with a DUI record presents

An insurance rate is, in part, based on the past driving history of the person seeking insurance. Minor traffic violations cease to be so minor when insurance rates go up dramatically due to getting a speeding ticket.

At least moving violations do not remain a severe mark on a driving record forever. In time, they drop off the DMV’s reporting and cease to cause problems for persons hoping to acquire fair insurance rates.

Things do get a lot more complicated for drivers who have been arrested for driving under the influence.

  • Civil penalties and criminal charges may be levied against someone who got behind the wheel of a car impaired.
  • Insurance rates may go up dramatically.
  • A number of insurance companies would not even wish to insure someone whose background revealed a DUI.

Does the dark cloud of past DUI troubles haunt a driver forever? Or is there a timeframe in which a DUI conviction ceases to ruin the chances of getting fair insurance rates?

Information related to a DUI or any other negative mark on a driver’s record is going to be taken into consideration by an insurance company when crafting a rate. As long as the insurance company has access to the information, the rate is likely going to remain affected.

Compare car insurance rates to find the best price for coverage whatever your history may be. Enter your zip code here to begin.

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Why does your driving record affect auto insurance rates?

Insurance companies are notorious for looking at the entire picture. They look at more than just the fact that you have been convicted of a DUI. This will help you find the best car insurance company for DUI drivers (i.e. the one that will give you the lowest DUI insurance rates).

So, “How can I lower my car insurance after a DUI?” Though it is going to be impossible to get that off of your insurance record, you can make sure that the rest of your record is clean and that will help decrease your DUI insurance rates.

By having a driving record clear of speeding tickets, accidents, and other problems, you can communicate to the insurance companies that you are less of a risk.

The DUI is still going to make your insurance more expensive than someone without a DUI conviction, but this will help in mitigating the damage to some extent.

Why do auto insurance companies determine auto insurance rates differently?

In the United States alone, there are hundreds of different insurance providers. What this means is that different companies have different things that they look for. The industry is not just one large conglomerate.

Understanding this is the first step to helping yourself with cheaper insurance.

Once you understand that the industry has lots of different options, you can dedicate yourself to finding those options by comparing rates.

Unless you know that they are there, you will not have an opportunity to take advantage of what might be excellent choices.

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You May Need SR-22 Insurance After a DUI

While a DUI does make purchasing auto insurance more costly, finding an appropriate policy is not impossible. Numerous insurance providers are capable of underwriting “non-standard insurance” policies.

Non-standard insurance can refer to high-risk drivers. A person with a DUI in his or her background would surely fall under the category of high-risk.

Although the policies may not be “standard” ones, the way process of searching and applying for one is not likely to change.

However, it is more difficult to find an insurance company that will take on a new client with a DUI or DWI on record. How far back do insurance companies check for DUIs?

These violations can stay on your driving record for up to 10 years in some states.

Many states require you to file an SR-22 form with your insurance company.

The insurance company then has to notify the department of motor vehicles if they are canceling this insurance policy or not renewing it for any reason.

The purpose of this form is to ensure that drivers who are considered high risk have the necessary liability required by state auto insurance laws.

Not all insurance companies are capable of handling policies that require the SR-22 form. Your current insurance company may be required to drop you as a client for that specific reason.

When you are searching for insurance, you will need to make sure that the company can write SR-22 policies.

Not all states require this form to be filed. The states that do require this form to be filed will keep your license suspended until the form is filed.

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How do I get auto insurance if I have a DUI or DWI?

Got a DWI or DUI? High-risk drivers may need DUI insurance (SR-22) and can expect to pay $137.75/month more for auto insurance than others with clean records.

Driving under the influence and driving while intoxicated are both considered high-risk activities by all of the best companies. There are insurance options available for drivers who have a DUI or DWI on record.

An insurance company cannot drop you in the middle of a policy for having a DUI or DWI.

However, they do have the option to not renew your policy as they deem you to be too high of a risk.

All insurance rates are calculated based on a risk-based analysis.

Auto insurance companies have to pay the most when another driver is injured as a result of a car accident that is caused by a vehicle they insure.

If you have a DUI or DWI, that substantially increases the risk of causing physical harm or fatality to another driver.

If your insurance company does choose to not renew your policy, there are alternative options available.

Start your search for the best auto insurance rates by entering your zip code.

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Where can I obtain auto insurance after having a DUI or DWI?

After having a DUI or DWI, the best place to start looking may be for non-standard auto insurance. Non-standard auto insurance is intended for high-risk drivers that are unable to obtain standard insurance.

Depending on your specific circumstances, you may still be able to obtain standard auto insurance. The premium is usually higher if this is the case.

Companies that specialize in non-standard auto insurance should also be able to handle the SR-22 form if you live in a state that requires this to be filed.

This will be the place to search for insurance after you have a DUI or DWI.

Which companies offer specialty insurance after a DUI?

You may not need to get SR-22 insurance if you can find someone willing to insure you. Though you won’t find an insurance company that comes out and recruits those with DUIs on their record, you will find a number of companies that are more willing to insure these types of drivers.

In the insurance industry, there are a large number of different specialty companies that might colloquially be known as the best DUI insurance companies.

Companies make names for themselves by specializing in the following types of  auto insurance coverage:

  • Young driver insurance
  • Performance car insurance
  • Female driver insurance
  • 4×4 insurance
  • Business insurance
  • DUI coverage

The reasoning behind this is that companies can gain more market share by taking on these specialty drivers. As a person with a DUI on your record, you should be looking for these types of companies.

Where do you find specialty DUI insurance? Knowing that these insurance providers are out there is only a part of the process. The next step is understanding where to find them.

Using an insurance comparison site to compare the market is an excellent way to get started on this.

Using this type of site essentially turns the insurance shopping process into grocery shopping.

You can go to a comparison site and look at what the market has to offer. There, you will get a clear picture of which companies are willing to go the extra mile for people who have a DUI on their record.

How to Save on Auto Insurance Rates After a DUI

A DUI and DWI are considered the highest risk activities in the eyes of the insurance companies. If you have one of these on your record, it may take a while before you can find insurance at a desirable price.

There are still ways to keep the costs down or save money over time on your insurance.

A DUI and DWI can stay on your record for up to 10 years depending on the state. You will want to absolutely avoid getting another one of these violations.

Aside from the additional court costs and fees, it may be nearly impossible to find an insurance company to insure you with two drunken driving violations on record.

If you maintain a good driving record, your insurance rates may decrease over time. Depending on the insurance company, you may be able to save money by attending driver’s education courses.

You will want to comply with anything that is ruled by the court including safety or alcohol classes.

The most important thing is to drive safely and to avoid any traffic violations at all costs. With a DUI or DWI, you have automatically deemed a high-risk driver. Be especially careful on holidays, when DUIs tend to rise.

With the violation of staying on your record for an extended period of time, you will not want to add negative items to your driving record.

Easily compare free online auto insurance quotes by typing in your ZIP code here.

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How can I save on DUI insurance with discounts?

How can I lower my car insurance after a DUI? There is no DUI insurance trick, but you can lower your rates with discounts.

Another thing that you have to keep in mind is the possibility of reducing your insurance rates through discounts. Though you might not be able to get a low standard rate through any of these options, you can help yourself immensely when you take advantage of the various discounts.

Here are some examples of discounts that insurance companies have been known to throw around:

  • No claims discounts
  • Good driving discounts
  • Combined insurance discounts

The key to using no claims discounts is that you will probably have to pay a bit more on the front end. You will then get a chance to prove yourself through good driving and through avoiding an accident.

The same is true for companies that provide good driving discounts.

The difference here is that these car insurance discounts are contingent upon you avoiding tickets in addition to wrecks. One of the best ways to reduce your insurance costs with a DUI is through combined insurance.

How can I save on DUI auto insurance with quote comparision?

Another reason why comparing online is such a good idea has to do with time. If you are going to get a cheap rate on auto insurance with a DUI, then you are going to have to look at many different companies.

When you do it online, you will only have to spend a few minutes comparing quotes. Doing it any other way is a huge time sink and will ultimately be a waste.

Do it online and you can have a laundry list of quotes to choose from. That way, you can know which companies are more friendly toward people with DUIs and you will know which companies are more likely to give out those rate-reducing bonuses and discounts.

We can all work together to prevent drunk driving incidents. And sometimes mother nature even steps in, leading to drops in DUI and DWI rates with COVID-19.

Compare now using our FREE auto insurance comparison tool by entering your zip code to save time and money!

How Long a DUI Stays on Your Record

The specific state in which the driver was arrested and cited for a DUI answers this question through its legal statutes. Be aware that the state in which the incident occurs has jurisdiction over any sanctions and not the state of the driver’s residence.

A New Jersey resident who is pulled over for a DUI in Vermont would be dealing with Vermont’s criminal and traffic laws.

Each state regulates its record of moving violations and infractions differently. The duration of a DUI’s record with the DMV is usually in the five-year range, but certain states may extend the length of time substantially.

Examples of states with very lengthy durations include:

  • California – 10 years
  • Pennsylvania – 10 Years
  • Texas – Forever

As long as this information remains on a driving record, then the insurance company will clearly see it.

Even when the time elapses and a decision is made to switch to a new insurance company, a DMV record may be cleared but a criminal record still remains in place.

And yes, auto insurance companies do perform a criminal background check on applicants. All this is done to determine how much risk the driver poses to the insurance company.

How do I check how long a DUI stays on my record?

Clear confirmation regarding how long a DUI stays on a driving record can be ascertained by performing basic research through a state’s DMV.

Requesting a copy of a driving record after the time period in which the DUI is supposed to drop off would be a prudent investment. This way, a confirmation about whether or not the record has been properly amended can be made.

If a current insurance provider is charging higher rates due to a DUI, contacting the company and asking how long the DUI is going to have an adverse effect could be done.

Inquiring about ways to offset the added costs through any available discounts may be wise.

Periodically requesting quotes from other insurance companies is another option. Enter your ZIP code into our free rate comparison tool below to get started comparing DUI insurance quotes online and find the best DUI insurance for your needs.

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Why would a DUI from years ago affect your auto insurance rates?

Auto insurance companies must assess the level of risk a driver presents. The background of someone who has no criminal convictions, no traffic citations, and no claims against an insurance company does not exactly paint the picture of a person who is a serious risk.

Although an applicant might present a picture-perfect past performance in his/her driving record, no one knows what the future brings forth.

The driver may make a very rare error in judgment and end up at fault for an accident. Regardless, the insurance company can only go by established and documented records of events or transgressions that actually occurred.

A clean record means lower rates. A tarnished record is going to see higher premiums.

An existing record of a DUI that occurred seven years ago reflects risk. Even if the driver has not been convicted of any DUI violations in the subsequent seven years, the fact remains the driver has been established to drive under the influence.

Will State Farm drop you for a DUI? Will Progressive drop you for a DUI?

Insurance companies take such information very seriously.

In 2016, 28 people died per day in the United States in DUI-related accidents. In providing $500,000 in liability coverage to someone with a past DUI, the insurance company must take into consideration the current and future potential for the driver to drink and drive.

Will Allstate drop you for a DUI? Will Geico drop you for a DUI?

Every insurance company will treat a DUI charge very seriously, but DUI laws vary from state to state, and your DUI car insurance rates will vary based on many factors.

Furthermore, the insurance provider must look at the statistics of DUI-related accidents and fatalities.

When an insurance company takes on added risk, the company opts to charge higher premiums to offset the costs of such risks.

How do I expunge a DUI from my record?

An option exists those with a criminal record for a DUI. An expungement would, essentially, eradicate the record of the criminal conviction.

The rules and requirements regarding expunging a DUI criminal conviction vary from state to state.

Depending on the jurisdiction, expungement might not even be an available option.

According to the Alaska Department of Public Safety, for example, DUI and other criminal records are not eligible to be expunged at all.

Unfortunately, expunging a criminal record does not affect the DMV record. A criminal record and a driving record are two different things. The DMV record will stay unchanged until the statutory term — if any — is up. So if you’re wondering “does the DMV notify insurance of a DUI” the answer is an emphatic yes.

Drivers with a DUI conviction should not be under the automatic assumption they are stuck waiting out the DMV’s logs or being unable to find decent auto insurance.

Simple comparison shopping may lead to discovering a fair rate. High-risk drivers would be well-served reviewing a significant number of quotes since their background creates complexities.

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Consequences of a DUI

Need auto insurance after a D.U.I? Your state of residence will assign you to a high-risk pool if you cannot find affordable DUI auto insurance coverage on your own.

  • The biggest impact on your auto insurance can come from a DUI citation
  • DUI drivers who cause serious accidents can face jail time for repeating the offense to being convicted of murder for killing someone in the event of a car crash
  • Two things can happen to your auto insurance in the event of a DUI citation: they will increase your rates and make will consider not renewing your policy.

Auto insurance rates change on a variety of factors. The biggest impact on your auto insurance can come from a DUI citation.

These three letters can lead to a wealth of problems for those who carry these letters on their driving record.

The moment you get a DUI on your record auto insurance companies will see you as a  high-risk driver. There are no positive implications of this label.

The impacts that this makes on your auto insurance are discussed below.

Get free online auto insurance quotes by entering your zip code now.

Will I lose my license for a DUI?

Besides the shame of having to walk a line, cite that alphabet, and blow into a tube, a DUI often comes with the loss of driving privileges.

How much fun will it be walking down to the auto insurance agent’s office to have a chat about your recent traffic violation?

You will be walking in one of two ways in the event of a DUI. The first is a temporary suspension of your driver’s license. This can last upwards of a year. Hoofing it might be healthy, but it’s not fun in the blistering cold of winter.

The second way is a permanent cancellation of your driver’s license. While this might cut down on those auto insurance rates, it will certainly make getting to the grocery store a whole lot tougher.

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Do you have to serve jail time for a DUI?

Some state laws are cracking down on DUI driving with more than just jacked up auto insurance rates and temporary license suspensions.

There are states that have zero-tolerance policies in place. Over the limit and you are under arrest.

This only grows as the offense grows. DUI drivers who cause serious accidents can face jail time for repeating the offense to being convicted for murder for killing someone in the event of a car crash.

There is a lot more to worry about than auto insurance in the event you cause someone’s death.

In many instances, a DUI conviction can prevent you from holding certain jobs. While a single occurrence may not have this effect, multiple occurrences certainly can.

The bottom line is that there is no benefit, and a lot of potential harm, from a DUI conviction.

Will auto insurance companies increase rates after a DUI?

Many of these may sound bad already, but many of these items don’t stack up to what is about to happen to your auto insurance rates.

Sure, a holding cell might not have been fun for a night. You may even have to walk for six months. Are you really prepared to handle that auto insurance increase though?

Two things can happen to your auto insurance in the event of a DUI citation. The first is what happens with your rates.

When the auto insurance company gets wind of your new citation you will instantly be placed into a high-risk category. This category means higher rates or event additional coverages that need to be purchased.

The second impact will be on your auto insurance renewal. Companies can choose to not renew your policy.

While you may not like your current agent, having a DUI on that driving record is going to make it infinitely tougher to get new auto insurance. You are now a black sheep to the industry.

Compounding this issue is how long a DUI can be on your driving record. Some places will hold that on your record for 1030 years. Even if you didn’t cause an accident, that is one to three decades of paying high priced insurance.

There is a simple way to keep your auto insurance company happy and your driving record clean.

That way is to just be smart and not drink and drive. Plan on a taxi or find a designated driver. There is no shame in being smart with your partying.

Compare online free auto insurance rates by typing in your zip code now.

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Auto Insurance Coverages and Claims After a DUI

Your liability coverage will pay for damage to the other car in a DUI accident, but your insurance may not cover your own damage for a DUI insurance claim. Your rates may triple after a drunk driving insurance claim, as the average drunk driving auto insurance rates after an accident are $409.91/month or $4,919/year.

  • Any damage that occurs to your vehicle may or may not be covered by your insurance policy if you were driving under the influence or driving while intoxicated
  • If you have liability insurance, your insurance carrier will cover damages that occur to the other party
  • If your insurance policy has a drunken clause, then you may have to pay additional damages to your own vehicle and medical expenses
  • A driver that has a DUI or DWI on record is automatically considered a high-risk driver, so your rates are going to increase

Does auto insurance cover drunk driving accidents? Any damage that occurs to your vehicle may or may not be covered by your insurance policy if you were driving under the influence or driving while intoxicated. This depends on the type of insurance you have and the nature of the policy.

To learn more about car insurance for impaired drivers and what a DUI/DWI charge will do to your insurance rates, keep reading. We will go over coverages, rates, and more for drunk driving accidents.

What is DUI driving liability insurance?

What is liability auto insurance coverage? If you have liability insurance, your insurance carrier will cover damages that occur to the other party. This applies even if you receive a DUI or DWI conviction.

Liability insurance only applies to the other driver in an auto accident that is deemed to be your fault.

This is for your protection and prevents you from having to cover medical expenses and property damage for the other driver involved.

Even if the accident occurs while you are breaking the law under the influence of alcohol, liability coverage exists to protect you.

You will have your own expenses and court costs related to the DUI or DWI that will not be covered by your insurance. These costs are related to the law that was broken.

The liability coverage still stands in place despite the fact that it occurred under the influence. As a high-risk driver, you will have more systems in place to make sure you have at least the minimum required liability insurance in case another incident were to happen.

Since liability insurance does not apply to your own vehicle or medical expenses, nothing will be covered under any circumstance. Liability insurance is generally the bare minimum that state auto insurance laws require for insurance coverage.

For your own protection and peace of mind, it may be recommended that you get full coverage with collision and comprehensive. Drunk driving accidents still may not be completely covered, depending on your individual policy.

What is DUI driving full coverage insurance?

Will my insurance company cover damages if I have collision and comprehensive? This depends on your insurance carrier. There are some companies that will definitely cover the damages to you and the other driver in the event of a DUI or DWI related accident.

There are insurance policies that will include a clause excluding them from responsibility in the event that you are DUI or DWI.

You will want to look closely at your insurance policy to see if a clause for drunken driving exists.

You may also want to call your insurance agent to find out in more detail if there will be any issues in filing an auto insurance claim. Finding the best full coverage insurance for DUI can be difficult!

You will need to have full coverage rather than liability coverage to have damages to your vehicle covered. This will also apply to any medical expenses that occur as a result of bodily injury from the accident.

If your insurance policy has a clause about drunken driving, you may have to cover all of these expenses out of pocket.

When searching for auto insurance, this is something that you may want to look into. DUI and DWI are dangerous violations that will cost you financially. From court costs and state fees, the cost often exceeds several thousand dollars.

If your insurance policy has a drunken clause, then you may have to pay additional damages to your own vehicle and medical expenses.

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Can your auto insurance company drop you for a DUI?

What happens to insurance when you get a DUI? Will my insurance company cancel my policy? According to Jahrmarkt and Associates,  the insurance company will not cancel your insurance in the middle of the policy. They do have the ability to end the relationship when it comes time for your policy to renew.

A driver that has a DUI or DWI on record is automatically considered a high-risk driver.

With this being the case, there is a possibility that your insurance company will choose not to renew your policy. If this is the case, you will need to find an insurance company that will take on a driver with a DUI or DWI.

Depending on the state you live in, you may have to fill out an SR-22 through your insurance company and the department of motor vehicles to get your license back.

If this is the case, you will have to find a company that can handle these kinds of policies. People often wonder, “can I get auto insurance with a DUI?” Since everyone needs insurance, you are able to get insurance. However, you will sometimes need to get special SR-22 insurance.  

The best place to start looking is for companies that specialize in non-standard insurance. These companies are able to offer insurance products to high-risk drivers when standard insurance carriers will turn them away.

Even if you are approved for standard auto insurance, the best auto insurance rates may be with the non-standard insurance provider. They are more experienced and qualified with insuring high-risk drivers.

Frequently Asked Questions: DUI Insurance

Before we go, we want to go over some frequently asked questions. Stick with us to see if one of your questions is on our list and to learn more.

#1 – Are drunk drivers always at fault?

According to NOLO, drunk drivers are not always at fault in an accident. However, impairment will make drivers look guiltier, which can play a part in influencing who has to end up paying for the other driver’s accident costs.

Even if a drunk driver isn’t at fault in an accident, they will still face legal repercussions for drunk driving, such as fines, jail time, and license revocation.

#2 – Can I not tell insurance about a DUI?

While you can not tell your insurer about your DUI, doing so crosses into fraud. Not being honest about your record is considered a form of fraud, as it means you are lying to keep lower insurance rates. If insurers find out that you had a DUI, they may drop you at the end of the next policy period.

#3 – Does gap insurance cover DUI accidents?

Gap insurance covers costs if a car is totaled, so unless the DUI accident totaled your car, gap insurance won’t cover costs.

#4 – Does insurance cover drunk driving accidents in Ontario, California?

A better question is, “does drunk driving invalidate insurance.” This is up to the discretion of the insurer in California, as in any state. If an insurer determines that you were at fault because of impaired driving, they may not cover damages.

Cheap car insurance with a DUI in California is going to be difficult to come by. Car insurance with a DUI in NY or CA will be higher, no matter where.

#5 – Does Geico cover DUI accidents?

Once again, this is up to the discretion of Geico, so there is no clear answer. If you weren’t at fault, even though you were impaired, Geico may cover damages.

This applies to other companies as well. So if you are wondering does Progressive cover DUI accidents or does State Farm cover DUI accidents, the answer is the same as for Geico. It depends on the accident situation and the agent. It also applies to commercial auto insurance with a DUI.

Find and compare online auto insurance quotes now to help lower your coverage rates after a drunk driving accident.