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.

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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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.


Which auto insurance company is the cheapest for DUI insurance?

Based on The Zebra's research, these companies offer the cheapest DUI insurance:


At $206 a month, Progressive is the cheapest company after a DUI.

USAA logo

USAA comes in as a close second, costing just a few dollars more per month than Progressive after a DUI.

farmers logo

Farmers comes in third place in cost after a DUI conviction, costing about $213 per month on average.

DUI rate increases by insurance company

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 average rates from major insurers to compare cheap car insurance companies after a DUI or DWI.

Car Insurance Rates After DUI by Company
Company Avg. Annual Premium
Progressive $2,481
USAA $2,530
Farmers $2,558
State Farm $2,652
GEICO $3,230
Nationwide $3,464
Allstate $3,535

Based on The Zebra's research, Progressive is the cheapest car insurance company after a DUI. USAA and Farmers are also worth getting quotes from. It's important to remember that every company charges rating factors differently.

In the wake of a DUI charge, your best bet is to collect car insurance quotes from as many companies to find the insurance coverage that fits you.

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Does car insurance get more expensive after a DUI?

Your insurance company will raise your rates after a DUI conviction. In fact, DUI insurance rates are among the highest out of all violations. 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 DUI offender, 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/Violation Avg. Annual Premium
None $1,759
Cell phone violation $2,135
Texting while driving $2,140
Speeding 11 - 15 MPH over limit $2,151
At-fault accident - greater than $2000 $2,605
Reckless driving $3,187
Racing $3,291
DUI $3,441

What happens to car insurance after a DUI?

Your insurance rates will probably rise — and they could skyrocket

Insurance companies estimate that post-DUI car insurance rates could increase by anywhere between 30% to 100% (or even more). The reason? Your auto insurance rate is seriously affected by your driving history. If you have a DUI offense on your record, auto insurance companies might see you as a high-risk driver, and charge you accordingly. The amount by which your insurance 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 auto insurance coverage once your current policy expires.


You might face higher auto insurance rates for years to come

You can expect to shell out an increased car insurance premium for at least three years following a DUI. In some states, the premium will remain inflated as long as a DUI stays on file.

Insurance contract

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 insurance provider will offer you the necessary insurance to get back on the road. An SR-22 form is a “statement of financial responsibility,” which is 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.

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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. Don't be afraid to shop around and switch insurance companies if your policy is non-renewed or if your car insurance rate gets too expensive.


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 infractions. 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 DUI penalties by state

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

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

Compare rates and find an auto insurance policy today.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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