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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 are the cheapest major insurance companies after a DUI:

USAA logo
USAA

The average rate after a DUI with USAA car insurance is $1,753, which is $805 higher than a policy without a DUI.

State Farm logo
State Farm

Those who don't qualify for USAA could consider State Farm, which averages $1,975 for a policy after a DUI. 

Progressive logo
Progressive

Progressive comes in third place with an average of $2,004 for a policy after a DUI. Progressive saw the lowest rate increase among major carriers, rising only $400 after a DUI. 


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
CompanyCar Insurance Rate — no DUIInsurance Rate with DUIInsurance Rate 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
USAA$948$1,753+$805

Based on The Zebra's research, USAA is the cheapest car insurance company after a DUI. State Farm is also worth getting a quote from if you don't qualify for USAA. It's important to remember that every company charges rating factors differently.

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


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 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/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

What happens to car insurance after a DUI?


Your insurance rates will probably rise — and they could skyrocket

Insurance companies estimate post-DUI car insurance rates could increase by anywhere between 30% to 100% (or by 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. Learn more about this at Nolo.com.

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. Learn more about SR-22 insurance.

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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:

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

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Recent Questions:

How does a DUI affect my claim?

You definitely need to tell your insurance company exactly what happened. Depending on the specifics of the situation, some companies will not cover accidents caused by driving under the influence.
Jan 16, 2019 Pleasanton, CA

Which insurance companies will insure you with a DUI?

I would venture to say that most companies will insure drivers with DUIs, but unfortunately your eligibility will vary based on multiple factors like driving history and credit. Your best bet is to shop around with as many companies as possible to find the carrier that will insure you at the best rate.
Nov 13, 2016 Pittsburgh, PA

How long can insurance companies hold DUI against you in Kansas?

The lookback for DUI is 10 years in Kansas. The other thing your husband would need to think about is if his job requires him to drive.
Oct 11, 2018 Great Bend, KS

Am I required to report my DUI?

Your insurance company will most likely pull your Motor Vehicle Report at your next renewal and most likely see your DUI. Moreover, if your license was suspended, it's likely your DMV will report to your insurance company.
Jan 27, 2018 Stockton, California

Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

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.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.