Will auto insurance pay for a DUI or DWI auto accident?

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

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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: Jun 10, 2020

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Things to Remember...

  • 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 auto insurance for drunk 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.

If your insurance coverage goes up after drunk driving, start your search for the best auto insurance rates by entering your zip code.

DUI Driving Liability Auto 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.

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Cost of Auto Insurance After a DUI

How much is auto insurance after a DUI? 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 rates. 

Average Auto Insurance Rates After a DUI
Average Auto Insurance Rates After a DUIRates with Clean recordRates with 1 DUI
Allstate$3,819.90$6,260.73
American Family$2,693.61$4,330.24
Farmers$3,460.60$4,718.75
GEICO$2,145.96$4,875.87
Liberty Mutual$4,774.30$7,613.48
Nationwide$2,746.18$4,543.20
Progressive$3,393.09$3,969.65
State Farm$2,821.18$3,636.80
Travelers$3,447.69$5,741.40
USAA$1,933.68$3,506.03
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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. To keep rates low, shop around for quotes and take advantage of discounts.

Exactly how long will a DUI affect 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. However, in some states, a DUI is on your record for over a decade. 

DUI Driving and Collision and Comprehensive Auto 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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Insurance Company Cancellation After 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.

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Frequently Asked Questions: Drunk Driving Auto Insurance Coverage

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.

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.

Can I not tell insurance about 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.

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.

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.

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. 

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

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