DUI INSURANCE: How To Get Cheap DUI Insurance

DUI insurance
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Following a DUI conviction, you should look for companies that offer the best rates and specialize in providing coverage to high-risk drivers. National companies may offer low-cost insurance after a DUI, but localized insurers frequently outperform them.
Even if your car insurance companies hasn’t learned about your DUI, we encourage being truthful instead of trying to trick them to avoid other risks that could raise your rates even more, such as having your policy lapse. If your insurer wishes to terminate your auto insurance after a DUI, we recommend researching quotes and discounts from companies that specialize in DUI insurance to find the best available rates.

Average DUI Insurance Premiums

The average annual cost of vehicle insurance after a DUI is $1,465; this is 103% higher than the average cost of insurance for someone with a clean driving record. The cost of DUI insurance is determined by the driver’s state and insurance carrier.

Drivers in Alaska, for example, see their rates increase by an average of 49% after a DUI, and drivers in North Carolina pay an average of 278% more. Similarly, whereas Erie Insurance boosts rates by 73% on average after a DUI, Progressive only raises rates by 7% on average.

Average DUI Insurance Cost Increase

InsurerAnnual Cost Before DUIAnnual Cost After DUIIncrease for DUI
Progressive$625$6697%
Erie$1,351$2,33873%
USAA$1,460$2,45868%
State Farm$1,823$2,02311%
Travelers$2,183$2,77927%
Please keep in mind that the quotes reflect the minimum coverage required in New York for a 45-year-old driver with a clean driving record vs a single DUI conviction.

Companies with the Cheapest DUI insurance

Large Companies providing DUI insurance.

We looked at significant companies that are available in several states and can service the most customers to find the lowest costs for drivers with a recent DUI.

Here are the typical monthly rates for drivers with a recent DUI from the nation’s four largest auto insurance companies, sorted from cheapest to most expensive:

  • Progressive: $184
  • State Farm: $205
  • Geico: $245.
  • Allstate: $247.

Although USAA had lower average rates than Progressive, it was not included in our analysis because it is only offered to the military, veterans, and their families.

DUI Insurance from Small Companies

However, large companies are not your only options. American National had the lowest average rates after a DUI of the insurers we know rates for, with drivers paying only $77 per month.

In many cases, smaller statewide and regional insurers offer the most affordable rates. For example, Indiana Farmers has the nation’s second-lowest rates after a DUI, with drivers paying an average of $80 per month. However, the corporation only sells insurance in Illinois, Indiana, and Ohio.

Our research discovered that in 34 states and Washington, D.C., the lowest rates for a DUI driver come from an insurer that is not among the top ten in the country. So, following a DUI, it’s critical to research vehicle insurance rates and finds the best deal for you.

States with the Cheapest DUI insurance

The most affordable vehicle insurance company in one location may not be the most affordable in another.

In our comparison for example:

  • Geico was the least expensive alternative for DUI drivers in Florida, Maryland, Oklahoma, and Utah, but the most expensive one in North Carolina and North Dakota.
  • Farm bureaus: On average, North Carolina and Virginia drivers can find the cheapest insurance at their state’s farm bureaus, but Texas Farm Bureau was the most expensive option in Texas.
  • Travelers were the cheapest option in Delaware for DUI drivers, but the most expensive in Massachusetts.

The lowest insurer for a driver with a clean record isn’t always the cheapest after a DUI in the majority of states. Geico, for example, was the cheapest company in North Carolina for a motorist with no violations but the most expensive after a DUI, with costs more than five times higher.

Read Also: CAR INSURANCE DEDUCTIBLE: How It Works

Check the table below to find which insurance companies in your area offer the lowest rates after a DUI.

StateCheapest companyFull coverage with one DUI
AlabamaAllstate$1,676
AlaskaUmialik$1,225
ArizonaACCC Insurance$1,406
ArkansasSouthern Farm Bureau Casualty$1,165
CaliforniaNational General$1,914
ColoradoAmerican National$1,086
ConnecticutState Farm$2,038
DelawareTravelers$2,351
FloridaGeico$2,789
GeorgiaAuto Owners$1,947
HawaiiState Farm$1,336
IdahoAmerican National$710
IllinoisErie$1,384
IndianaIndiana Farmers$964
IowaState Farm$1,068
KansasState Farm$1,729
KentuckyState Farm$2,368
LouisianaSouthern Farm Bureau Casualty$2,282
MaineVermont Mutual$896
MarylandGeico$1,561
MassachusettsState Farm$899
MichiganChubb$1,583
MinnesotaAmerican Family$1,248
MississippiState Farm$1,955
MissouriElectric Insurance$1,449
MontanaState Farm$1,522
NebraskaEMC$1,415
NevadaCountry Financial$2,073
New HampshireProgressive$1,231
New JerseyNJM$1,625
New MexicoState Farm$1,673
New YorkMain Street America$1,268
North CarolinaNorth Carolina Farm Bureau$1,384
North DakotaAmerican Family$1,329
OhioAmerican Family$990
OklahomaGeico$1,726
OregonState Farm$1,475
PennsylvaniaAllstate$1,013
Rhode IslandState Farm$877
South CarolinaAmerican National$870
South DakotaAmerican Family$1,458
TennesseeErie$1,091
TexasRepublic Group$1,770
UtahGeico$1,313
VermontState Farm$1,192
VirginiaVirginia Farm Bureau$1,235
WashingtonProgressive$1,488
Washington, D.C.Erie$1,771
West VirginiaState Farm$1,872
WisconsinErie$950
WyomingState Farm$1,112
*USAA was excluded from our research because it is exclusively available to service personnel, veterans, and their families.

What is the Cost of Car Insurance after a DUI?

Even with the lowest needed insurance coverage, which is normally one-third the price of full coverage, you’re unlikely to avoid a rate increase for DUI insurance. After a DUI, average rates for both types increase by 93% or more.

While purchasing only the minimum necessary insurance coverage in your state is one option for lowering rates after a DUI, it is not for everyone. Full coverage is often required for auto loans and leases.

Furthermore, minimum coverage insurance frequently has relatively modest liability limitations. If you cause a collision and don’t have enough insurance to cover the damage, you’ll have to pay for it yourself.

On average, full coverage vehicle insurance for a driver with one DUI costs around $262 per month. That’s $126 more per month than a clean driver would pay.

Minimum coverage costs $95 per month on average for a driver with one DUI – $48 per month more than someone with a clean driving record would pay.

How to Get Low-Cost Car Insurance After a DUI

For several years after a DUI, your vehicle insurance provider considers you a high-risk driver, or more likely to file an insurance claim than most people. Your premium will almost definitely rise, and your carrier may even drop you. What you can do is as follows:

  1. Begin your auto insurance search as soon as possible. Because your coverage may be canceled, you should begin looking for vehicle insurance quotes as soon as possible following a DUI. This allows you to compare rates.
  2. When shopping around, disclose your DUI status. If you compare quotations soon away, insurance may be unaware of your recent DUI. To get the most accurate rate, discuss any recent traffic violations, including DUIs.
  3. Make use of comparative tools. Your premium will be affected by factors such as where you live, your age, and your credit score. The NerdWallet vehicle insurance comparison tool can assist you in weighing your options.
  4. Obtain many quotations. Companies’ pricing policies differ widely. Obtaining auto insurance quotes from multiple competitors is the best method to find the lowest rate.
  5. Three and five years later, go shopping again. After these milestones, rates after a DUI tend to fall, and other insurance companies may be cheaper than yours at those stages.
  6. Avoid any additional traffic violations. Even if you have a DUI, it will not affect your insurance rates indefinitely. To keep your car insurance bill low now and in the future, avoid any additional DUIs, accidents, or speeding fines.
  7. Consider non-owner car insurance. You can get nonowner auto insurance and still meet your state’s liability insurance requirements if you don’t own a car and occasionally drive someone else’s vehicle. In an at-fault accident, liability insurance covers the harm you cause to another person (or their vehicle).

How Do Insurance Companies Find Out About DUI?

Insurance companies will almost certainly find out about your DUI from the DMV. Different insurance companies review these records at various times, although many do so when you renew your coverage.

If you need to file an SR-22, insurance companies may find out about your DUI. If you’ve been convicted of a DUI or DWI, you’ll almost certainly need to complete an SR-22 form in order to have your license renewed. The SR-22 must be filed on your behalf with your state’s department of motor vehicles by your auto insurance company.

We recommend informing your insurance company about your DUI conviction. If you neglect to notify your auto insurance provider about your DUI, it may cancel your policy, resulting in a lapse in coverage and higher rates. While the possibility of cancellation remains if you disclose your DUI to your insurer, you will not be caught off guard and will have more time to consider your choices.

How Long Does a DUI have an effect on Insurance Rates?

The length of time DUIs affects your insurance vary depending on your area and insurer. Three to five years is the most common range. A DUI can stay on your record for ten years and will prevent you from receiving a good-driver discount in California.

What’s the Difference Between a DUI and a DWI?

In most places, there is no distinction between a DUI and a DWI; the phrases are interchangeable. They reflect varying levels of intoxication in a few states, although which is worse depending on the state.

Is there a DUI Insurance Trick?

No, there is no trick to keep your insurance from rising after a DUI. Insurance companies will eventually find out through the DMV. Rather than attempting to trick an insurer, your best options are to shop around for the best DUI insurance companies rates, find as many reductions as possible, and avoid compounding the rise with another violation.

What is the Best DUI insurance?

The best insurance after a DUI is determined by your region as well as your tastes. State Farm is the national insurer with the lowest total rates. Some companies focus on high-risk drivers. Some local insurance may provide lower rates. You could also investigate non-owner car insurance.

How can I obtain SR-22 Insurance?

An insurer must file an SR-22 form on your behalf. This demonstrates to the state that you have the required amount of insurance coverage. Both large and small companies provide SR-22 coverage, while smaller companies are frequently less expensive.

Alternative Auto Insurance Following a DUI

Many large insurance companies cater to high-risk drivers, and some smaller companies specialize in this sector. After a DUI, it’s a good idea to get rates from nonstandard carriers as well as the large ones, if possible.

If you are unable to find a company willing to insure you due to your driving record, you can turn to your state’s “high-risk insurance pool,” which exists to provide coverage to persons who are unable to obtain auto insurance through traditional channels. To begin, find your state in the Automobile Insurance Plan Service Office directory.

DUI Insurance FAQs

Is your insurance valid if you are drunk?

A DUI or DWI conviction will raise your insurance premiums, and some insurers may refuse to insure you. Legally, you must notify your insurer about your conviction for at least five years. (Some convictions can carry a sentence of up to eleven years.)

How long does drink driving affect insurance?

Convicted drunk drivers are likely to face higher insurance costs for the next five years following their conviction.

How long do you lose your licence for drink driving?

A conviction results in an obligatory disqualification of at least 12 months but is frequently in the range of 18 months or longer. If you have a previous conviction for a drunk or drug-driving offense within the last ten years, the minimum disqualification is three years.

References

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