Cheap Car Insurance After a DUI

While a DUI or DWI offense will leave a mark on your driving record, it's possible to find affordable auto insurance rates.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

How to get car insurance after a DUI or DWI

 

While there aren't specific insurance companies catering to drivers with DUIs, you can save money by remaining aware of the common impacts of a DUI on auto insurance. You can certainly expect your rate to rise after a DUI conviction, but there are some ways to limit your losses.

 

How does a DUI impact car insurance?
  1. How do car insurance rates change after a DUI?
  2. Which insurance company is the cheapest after a DUI?
  3. What happens to car insurance after a DUI?
  4. Other changes after a DUI

 


 

Does car insurance get more expensive after a DUI?

 

Your insurance company will raise your rates after a DUI conviction. An insurer's primary goal is to anticipate and account for risk — and driving while impaired is among the riskiest behaviors one can exhibit behind the wheel. According to the National Highway Traffic Safety Administration, approximately one-third of all traffic fatalities are caused by intoxicated drivers. Drunk driving forces car insurance companies to pay out huge sums for bodily injury, property damage, and death benefits. If a car insurance company's client, i.e., the drunk driver, carries separate liability insurance to protect them in the event of a lawsuit, the insurance company might be on the hook again.

In addition to higher insurance rates after a DUI, you'll be ineligible for safe- or good-driver discounts. Depending on your insurance company, this could cost you.

 

CAR INSURANCE PREMIUMS AFTER COMMON DRIVING VIOLATIONS
Accident/ViolationAverage Annual PremiumRate Increase
None$1,470 
Cell Phone Violation$1,758$288
Texting while Driving$1,760$290
Speeding (11-15 MPH > Limit)$1,778$308
At-Fault Accident$2,087$617
Reckless Driving$2,504$1,034
Racing$2,553$1,084
DUI/DWI$2,556$1,086




 

Which auto insurance company is the cheapest with a DUI or DWI?

 

While every company will raise your insurance rates after a DUI or DWI, the scale of the premium hike may vary. It's important to make the best of a bad situation by shopping for a new insurance policy and comparing rates after a DUI or DWI conviction. We compared major insurers to compare cheap car insurance companies after a DUI or DWI.

 

CAR INSURANCE RATES AFTER DUI — BY COMPANY
CompanyNonePremium with DUIPremium Increase
Allstate$1,888$3,634+$1,746
State Farm$1,313$1,975+$662
Liberty Mutual$1,647$2,635+$988
Progressive$1,604$2,004+$400
Farmers$1,525$2,632+$1,107
Nationwide$1,347$3,092+$1,745
GEICO$1,276$2,647+$1,371
Farmers$1,525$2,632+$1,107
USAA$948$1,753+$805

 

All other metrics constant, Progressive is the cheapest car insurance company after a DUI. It's important to remember that every company charges rating factors differently.

Your best bet is to compare quotes from as many companies to find the insurance coverage that fits you.

 

What happens to car insurance after a DUI?

 

Your insurance rates will probably rise — and they could skyrocket

Companies estimate that your post-DUI rates could increase by anywhere between 30 – 100 percent—or even more. The reason? Your auto insurance rate is seriously affected by your driving record. If you’ve got a DUI on your record, insurance companies might (read: very likely will) see you as a high-risk driver, and charge you accordingly. The amount by which your premiums rise will be impacted by your insurer and your location — see our list of states below to gauge how big a hit your wallet will take. 

Your car insurance company might drop you 

Though an insurance company can’t legally cancel your policy as soon as it learns of a DWI/DUI incident, the insurer could decline to renew your coverage once your current policy expires.

You might pay more for years to come

It varies by location, but you can expect to shell out an increased premium for at least three years. In some states, the premium will remain inflated as long as a DUI remains on file. Learn more about this at Nolo.com.

You’ll probably have to file an SR-22, FR-44, or FR-19

Following a DUI, your state could require you to file one of these forms in order to prove that you’re insured before the company will offer you the necessary insurance to get back on the road. An SR-22’s is a “statement of financial responsibility,” which are usually filed by an insurance company or agency on your behalf. You may not need to file an SR-22, depending on incidental factors around the accident. Learn more about car insurance and SR-22s.

 

Compare insurance rates and find an affordable policy today.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

 


 

What else changes after a DUI or DWI?

Your car insurance rate isn’t the only thing that changes after a DUI. A citation alters your relationship with your insurance company and your state's DMV.

 

How to deal with your car insurance company after a DUI

Depending on your insurance company and your driving record, your insurance company could elect to non-renew your policy because of the risk you pose. By this, we mean your insurance company will decline to cover you for six months — or however long your policy was. You'll also be ineligible for good driver discounts with a DUI on your driving record.

 

What steps to take with your state's DMV after a DUI

Depending on the state in which you live, you could face a license suspension or jail time after a DUI or other major driving convictions. Even if you are allowed to keep your driver's license and your driving privileges, your state will usually require you to fill out an SR-22 (or FR-22). This certificate of financial responsibility proves you have purchased at least the minimum amount of car insurance required by your state. Most of the time, your insurance company will file these for you — usually for a fee — but if they don't, you would need to speak with your state's department of motor vehicles.

 

Car insurance and DUI — ramifications by state

 

The car insurance penalty you pay after a DUI depends on your insurance company and the state in which you live. DUIs and DWIs are penalized more harshly in certain states.

For a full breakdown of state-specific DUI car insurance consequences, see below:

AlabamaAlaskaArizonaArkansasCalifornia
ColoradoConnecticutDelawareDistrict of ColumbiaFlorida
GeorgiaHawaiiIdahoIllinoisIndiana
IowaKansasKentuckyLouisianaMaine
MarylandMassachusettsMichiganMinnesotaMississippi
MissouriMontanaNebraskaNevadaNew Hampshire
New JerseyNew MexicoNew YorkNorth CarolinaNorth Dakota
OhioOklahomaOregonPennsylvaniaRhode Island
South CarolinaSouth DakotaTennesseeTexasUtah
VermontVirginiaWashingtonWest VirginiaWisconsin
Wyoming     

 

Find an affordable policy today.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Recent Questions:

Cheap Car Insurance After a DUI

Should I take my 23 yr old daughter off of my insurance? She recently was involved in an accident and has a DUI pending.

Yes, it would be a good idea to remove your daughter from your insurance policy due to her recent DUI and suspended license — both of which would impact your insurance by way of a much higher premium. Find out just how much a DUI can impact your rates here. Even with the citation and suspended license, she'll be able to find her own insurance — though that may be difficult.

My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?

If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.

Can I get storage insurance if my auto insurance is being canceled?

Most financing companies will require you to have comprehensive and collision coverage which means you would not be able to get storage insurance. Check with your finance company to see what options you have.

If I'm already added to someone's car insurance but I need an SR-22, how would I do that?

To get an SR-22, you just need to have it added to the current policy that you are on. You should contact the insurance company and inquire about what their specific process is.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.