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Compare car insurance after a DUI
How to get affordable car insurance after a drunk driving conviction.
A DUI isn’t the end of your driving, but it can make finding affordable car insurance difficult. The bad news is that you can expect higher premiums to the tune of about 50% more, but the good news is that not all insurers look at convicted drivers the same way.
How to compare rates for DUI insurance
When looking for car insurance after a DUI, these tips can help you get the most bang for your buck:
- Get quotes from companies specializing in high-risk insurance. Consider companies that welcome drivers without a pristine record. If you can’t get insurance through a traditional carrier, you might have better luck with an insurance company specializing in insuring high-risk drivers.
- Shop around. Your current insusrer typically won’t raise your rates due to the DUI until renewal, and that’s a good time to compare quotes. Every company treats DUIs differently, and some will give you better rates than others. Get quotes from multiple companies to find the best deal.
- Try telematics-based insurance companies. Telematics companies track your driving through an app or device installed in your car and weigh your driving skill more heavily than your driving record. Consider telematics if this is the first time you’ve gotten a ticket or driving conviction.
- Consider the coverage you actually need. Most high-risk insurers don’t offer many extras and perks like accident forgiveness or new car protection. Consider any extra coverage you need beyond liability coverage and how much you’re willing to pay for it.
- Improve your driving and get discounts. Take an approved defensive driving class and most insurers will give you a discount for brushing up on your driving skills. You can also get points removed from your license after passing the course.
Compare DUI car insurance
Find car insurance that covers you even with a DUI on record. Tap the Compare box to see up to four companies beside each other.
How much will my insurance go up after a DUI?
Most drivers can expect their rates to go up about 50%, although estimates vary based on your state and past driving violations. So if your monthly car insurance rate is $100, your rate after a DUI conviction could go up to $150 per month.
Car insurance rates after a DUI range from $67 monthly in the cheapest states up to $150 per month.
Average insurance cost increase after a DUI
|State||Average car insurance||Premium increase||Cost of insurance after DUI|
How much does a DUI cost?
Raised insurance premiums could be the least of your financial worries after a DUI conviction. In total, a DUI averages almost $3,300 for fines, towing, court and bail, license fees and alcohol education — but some states have significantly lower financial penalties than others.
Best companies after a DUI
|Company||Average Cost After DUI|
|Key Insurance Company||$2,515|
|Liberty Mutual General||$4,955|
|Company||Average Cost After DUI|
|Main Street Amer Protection Ins Co||$660|
|USAA Gen Ind Co||$786|
|Garrison Prop & Cas Ins Co||$810|
|Nationwide Mut Ins Co||$861|
|Progressive Northern Ins Co||$922|
|GEICO Choice Ins Co||$977|
|Travelers Home & Marine Ins Co||$1,041|
|USAA Cas Ins Co||$1,073|
|United Serv Automobile Assn||$1,132|
|Progressive Universal Ins Co||$1,300|
|Company||Average Cost After DUI|
|Nat’l Farmers Union||$1,577|
|USAA General Ind||$2,278|
How does a DUI affect car insurance?
Some insurance companies don’t place big premium increases on people convicted of driving under the influence. However, other companies won’t offer any coverage — or only do so at a much higher price.
One main way to find cost-effective DUI car insurance is by shopping around. Look for a policy that has the right coverage at an affordable price, and fewer penalties for past offenses. Getting multiple quotes from different insurers can help you see where you stand.
My insurance company dropped me. What should I do?
Because a DUI raises your driving risk level, it’s not uncommon for traditional car insurance companies to cancel coverage for you after this conviction. If that happens, shop around for car insurance companies that will approve and file any proof of insurance needed with your state. A good rule of thumb is to get quotes from at least three companies, and more is better.
Car insurance after a DUI and suspended license
If your license gets suspended, you’ll still need car insurance on your car to keep it registered. Along with that, you’ll probably run into the same problem with your insurance company dropping you and your needing to file proof of insurance with your state.
You’ll have to fulfill your nondriving period, then pay any license reinstatement fees before getting your license and getting on the road again. Follow any instructions your state or DMV sends you on regaining your license after a suspension.
After you get your license back, insurance companies may still see you as high risk and up your premiums for several years.
How long will the DUI affect my insurance?
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 three to seven 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.
Factors that affect your rates after a DUI
Insurers set premiums based on factors that are statistically known to affect the likelihood of claims, which generally reflects how risky the driver is. The exact factors considered and how they work them into the prices vary between companies.
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.
Other factors considered may include:
- Number of points 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 tested positive for other nonprescription drugs
- Whether you refused a breathalyzer or drug test
- How long ago it happened
What is an SR-22 and do I have to file one?
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 with the minimum liability requirements. It’s your official proof of insurance to legally get back on the road.
Most providers charge a $25 to $50 fee to file an SR-22 for you. 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 pay thousands of dollars more for car insurance during the time that you need an SR-22.
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. Take the time to compare your car insurance options to find the best one for your situation.
Frequently asked questions about DUI car insurance
This is only my first offense, will it affect my insurance rates?
Most likely, yes. But it will have less of an impact than if you had multiple offenses.
Am I guaranteed car insurance with a high-risk company?
No. Every company uses different rating factors, and your approval can depend on your record before the DUI too.
What government programs are available for high-risk driver insurance?
Your state should have a high-risk car insurance alternative that assigns risky drivers to specific insurance companies. But state-run programs tend to be expensive and may offer less coverage than buying standard car insurance.
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