Auto Insurance for Drivers With a DUI (2024)
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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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 2023
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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: Oct 13, 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.
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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.
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:
Full Coverage Auto Insurance Monthly Rates by Driving Record
| 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.
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.
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.
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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:
- Ask about discounts. 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.
- 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.
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.
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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.