Compare car insurance after a DUI | finder.com

Compare car insurance after a DUI

How to get affordable car insurance after a drunk driving conviction

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How does a DUI affect car insurance?

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. 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.

What are my car insurance options after a drunk driving offense?

Whether an insurance provider will cover you after a driving conviction 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.

  • Affordable coverage
  • Instant online access
  • SR-22 support

Best for SR-22 drivers: The General

The General offers affordable coverage for nearly any driver who needs car insurance.

  • Affordable coverage
  • High risk drivers okay
  • Instant online access
  • Available in 46 states

Compare car insurance after a DUI

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
Yes
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Optional
10%
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.

Compare up to 4 providers

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 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%

Get cheap SR-22 insurance

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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 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.

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.

Get the cheapest quotes

Compare car insurance companies near you.

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Frequently asked questions

Learn more about DUI car insurance

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