Cheap Car Insurance After a DUI (2025)
- Progressive ($231/mo) and GEICO ($328/mo) are the cheapest insurance companies for drivers with a DUI.
- You may be required to file an SR-22 or FR-44 in order to obtain coverage.
- DUI car insurance may be tricky to find with traditional insurers, but non-standard carriers will accept drivers with this infraction.
The Zebra can help find the best auto insurance for a DUI. Enter your ZIP code to get started.
Cheapest auto insurance after a DUI or DWI
Receiving a DUI conviction can significantly affect your auto insurance rates and status as a high-risk driver— in fact, a DUI conviction can raise auto insurance premiums by 93% on average.[1]
While you can still explore coverage through standard car insurance companies, non-standard companies will also offer insurance to drivers with a DUI. We've picked out the best cheap companies for DUI insurance for different groups.
Progressive
Among major providers, Progressive is your cheapest option— average 6-month rate with a DUI is $1,388.
GEICO
GEICO, which offers both standard and non-standard insurance, comes in second with average premiums with a DUI totaling $1,973 for six months.
USAA
Military members and their immediate family members can find decent rates with USAA after a DUI ($1,557 for six months).
How much is car insurance with a DUI?
While every company will raise your insurance rates after a DUI or DWI, the scale of the premium hike may vary. We compared average rates from major insurers to compare cheap car insurance companies after a DUI or DWI.
Updating data...
| Company | No DUI | After a DUI | $ difference |
|---|---|---|---|
| Allstate | $1,484 | $2,189 | $705 |
| Farmers | $1,202 | $1,742 | $540 |
| GEICO | $949 | $1,973 | $1,023 |
| Nationwide | $1,070 | $2,628 | $1,558 |
| Progressive | $1,076 | $1,388 | $312 |
| State Farm | $1,178 | $1,903 | $725 |
| USAA | $831 | $1,557 | $726 |
Source: The Zebra
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.
📈 The impact of a DUI on insurance
Drunk driving is responsible for about one-third of all traffic deaths, according to the National Highway Traffic Safety Administration.[2].These incidents often lead insurers to pay out large sums for bodily injury, property damage, and death benefits. If the at-fault driver has separate liability coverage for lawsuits, the insurer could be liable again. These costs are passed on to the driver in the form of rate increases.
How a DUI affects your insurance
DUIs mark you as high-risk, so brace for lasting rate hikes — often for at least three years. Your premiums could jump 30% to 100% or more, depending on your insurer and state. Additionally, a DUI disqualifies you from most safe-driver perks. This adds to your long-term cost.
After a serious infraction like a DUI, your insurer may deem you too great a risk to continue covering, and issue either a non-renewal or cancellation.
Next steps: finding insurance after a DUI
Step 1: Shop around for quotes
Compare rates from multiple insurance companies and find the best value after a DUI.
Step 2: Look for specialized insurers
Non standard insurance companies specialize in high-risk clientele and offer policies to drivers with DUIs.
Step 3: Improve your driving record
While it will take some time for your rates to decrease again, avoiding further violations can help balance rates in the future.
🔎 Does The Zebra help with car insurance for people with a DUI?
Yes! You will need to provide us with your FR-44 information, but our agents can assist in finding a car insurance provider that will accept a driver with a DUI. Speak to a Zebra agent for further help.
Compare quotes online
Zebra pro tip: Check out non standard insurance companies
If you've been dropped by your insurance company following a DUI and are having trouble finding coverage, there are alternate routes you can explore; namely, non standard insurance companies. You should only explore this option if you've been denied coverage through standard means, as prices will be higher on average.
🏆 Our picks for non standard insurance are GEICO, Hallmark, and Infinity, which accept drivers with riskier profiles at the lowest rates.
More resources for DUI insurance
SR-22 Insurance: What You Need to Know
What is SR-22 insurance? Explore how to navigate getting SR-22 documentation.
DUI vs. DWI: What's the Difference?
The difference between DUI and DWI violations may vary, depending on your location, your age, and other factors.
The Best Car Insurance Companies for High-Risk Drivers
Multiple tickets, car accidents or a DUI conviction can increase your premiums by more than $600 per year. Find the best auto insurance company for your circumstances.
How to lower insurance costs after a DUI
There's no easy way to say it, but auto insurance rates will increase after a DUI or DWI. Unfortunately, time is your greatest ally in lowering insurance costs, but you can take some steps to lower your premium:
- Increase your deductible
- Explore discounts
- Bundle your insurance policies
- Keep a safe driving record
"In many states, if a charge is dismissed and you’re not convicted, it may not appear on your driving record—meaning your insurance rates might not be affected. However, this can vary by state and by insurance provider. The best practice is to check with your local DMV and your insurance carrier to get the most accurate information for your specific situation."
Amber Vigil — Sales Manager at The Zebra
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.
Frequently asked questions — Car insurance after a DUI
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Drunk driving Statistics and Resources. NHTSA
Increasing Alcohol Ignition Interlock Use | Impaired Driving. CDC
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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.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial 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.