Can drivers convicted of drunk driving get car insurance? | finder.com
Drinking with car keys

Car insurance for drivers convicted of drunk driving

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Is it possible to get car insurance following a drunk driving conviction?

A DUI isn’t the end of your time on the road, but it does mean it can be more difficult to find affordable car insurance. The bad news is that you can typically expect to pay higher premiums, but the good news is that not all insurers assess convicted drivers the same way.

While some insurance providers don’t place any significant premium increases on people convicted of driving under the influence of drugs or alcohol, other insurers will not even offer coverage, or will only do so at a considerably higher price.

Car insurance premiums will often go up over time, and can even be raised considerably by making a no-fault claim. As such, one of the main ways to find cost-effective car insurance is by shopping around. Drivers with DUIs can do the same, and shop around for a policy that has the right coverage at an affordable price, and fewer burdens for past offenses.

There’s no one-size-fits-all approach, and getting multiple quotes from different insurers can help you see where you stand.


Which insurers will cover you after a drunk driving offense?

Whether an insurance provider will cover you after returning from a suspended license depends largely on its risk assessment style. In other words, different insurers will look at different factors when determining premiums. For example, some might impose higher premiums on any driver with a previous DUI conviction, while another might raise costs based on how long your license was suspended, or not offer coverage until enough time has elapsed since your license suspension.

If you are unable to get insurance through a traditional provider, you might have better luck with an insurer that specializes in insuring high-risk drivers.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Compare insurances from these providers

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

How to compare rates after a DUI

The penalties for drunk driving vary between states, which can also interact with car insurance prices in different ways depending on the situation. For example, depending on whether it’s the first offense, which state you’re driving in and the situation at the time, driving with a BAC of 0.05 to 0.08 may only lead to a suspended license in some situations. Other factors considered may include:

  • Number of points left on your license
  • Whether your license was revoked, or the length of suspension
  • If it was your first offense
  • Whether there were other charges, such as reckless driving, speeding or criminal charges
  • If you also tested positive for other drugs
  • Whether you refused or accepted the breathalyzer or drug test
  • How long ago it happened

Insurers set premiums based on factors that are statistically known to affect the likelihood of claims, which is generally a reflection of actual risk while driving. The exact factors they consider, and how they work them into the prices, vary between companies.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

How much will my insurance go up after a DUI?

While estimates vary based on your state previous convictions, most drivers can expect their rates to go up by about 50%.

Average insurance rate increase after a DUI

StatePremium increase
Alabama54%
Alaska80%
Arizona37%
Arkansas68%
California103%
Colorado34%
Connecticut100%
Delaware31%
Florida40%
Georgia47%
Hawaii62%
Idaho43%
Illinois70%
Indiana56%
Iowa60%
Kansas46%
Kentucky48%
Louisiana62%
Maine56%
Maryland51%
Massachusetts67%
Michigan9%
Minnesota37%
Mississippi27%
Missouri39%
Montana39%
Nebraska58%
Nevada29%
New Hampshire79%
New Jersey47%
New Mexico46%
New York49%
North Carolina112%
North Dakota33%
Ohio31%
Oklahoma28%
Oregon26%
Pennsylvania25%
Rhode Island25%
South Carolina27%
South Dakota27%
Tennessee19%
Texas44%
Utah39%
Vermont67%
Virginia42%
Washington28%
Washington, D.C.0.3%
West Virginia59%
Wisconsin51%
Wyoming52%

How much does a DUI cost?

Your insurance premiums going up are the least of your worries after a DUI conviction.

Take a look at what happens to a Tennessee driver after a DUI. The Tennessee DMV claims you’ll pay at least $5,000 for a DUI. After calculating the initial fine, which can run $350 to $3,000 depending on the number of DUI convictions, then you add in additional fines, car insurance rate increases, driver training and court costs. You’ll also lose income and possibly your job from jail time, which could be as little as two days up to five months or more depending on the number of convictions.

PenaltyCost
Towing fee$75
Fine$350-$3,000
Bail$125
Defense attorney$2,000
Court costs$200
License reinstatement fee$300
Insurance premium increase$2,000
IID installation$300
Alcohol education program$300
TOTAL$5,650 – $8,650

How to find the right policy

There are a number of steps you can take to increase your chances of getting coverage if you have been convicted of drunk driving.

  • Your options may increase. Even if your car insurance options are limited right now, you might be able to get lower premiums, or a wider variety of options, after some time has passed. You are able to switch car insurance at a later date, and might be able to get lower premiums when you have some more “clean driving history” under your belt. This is completely dependent on the insurer, so you will need to speak with each when applying.

What is an SR-22 and why do I have to file one?

If you’re convicted of a DUI or DWI, you might be required to file an SR-22 to legally get back behind the wheel. In Florida or Virginia, you’ll have to file an FR-44.

An SR-22 or FR-44 is a document that your insurance company files with your state as proof that you carry an active policy meeting minimum liability requirements. In other words, it’s your official proof of insurance to legally get back on the road.

Most providers charge a fee of $25 to $50 to file an SR-22 on your behalf. But the real cost of an SR-22 is the impact it has on your car insurance premiums. After a serious driving violation, you’re considered a “high risk” driver, which means you could be looking at thousands of dollars more on your premium for as long as you need an SR-22 or FR-44.

How long will the DUI affect me?

There are many ways in which a DUI will impact you. You could lose your license; you could go to jail. And it will almost certainly cause your insurance rates to rise.

Some providers set their own time limits for how long a DUI will affect your premiums. In general, you can expect increased premiums for 3-7 years. But the length of time an offense stays on your driving record depends on your state’s laws. In California, a DUI stays on your driving record for 10 years, but in Florida it’s 75 years.

Bottom line

If you’ve been convicted of a DUI, it’s sure to impact your car insurance. Your insurer might drop you or raise your rates. But no matter the outcome, there are providers out there that will insure you. Compare your options to find the best one for your situation.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.
Go to site