Is it possible to find cheap auto insurance with DUI violations on my record?

With a DUI violation on your record, you could $500/yr. or more for auto insurance. The General and Esurance may have policies to suit your needs.

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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...

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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...

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Reviewed byDaniel Walker
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UPDATED: Apr 24, 2020

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Here's what you need to know...

  • Driving under the influence is against the law
  • Combing multiple policies can save you money
  • Comparison shopping online is fast and easy

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.

People who present the greatest risk of damage have to pay more for the system to work.

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.

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

Enter your zip code into our FREE auto insurance comparison tool to compare cheap quotes now!

Balancing Out your Diving Record

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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.

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.

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.

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The Variable Nature of the Insurance Industry

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.

“Specialty” Providers and DUI Coverage

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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.

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.

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Where to Find Specialty DUI Insurers

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.

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Fighting High Insurance Rates with Discounts

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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 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.

Comparing Online Saves Time

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 fewer DUIs and DWIs.

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

References:

  1. https://www.esurance.com/info/car/how-a-dui-affects-car-insurance-premiums
  2. http://www.iii.org/issues_updates/drunk-driving.html
  3. https://www.geico.com/save/discounts/moving-out/
  4. https://www.esurance.com/info/car/why-women-pay-less-for-car-insurance
  5. http://dui.drivinglaws.org/dui-insurance.php
  6. http://www.washingtonpost.com/wp-srv/business/longterm/mym/autoins/quinn.htm

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