Auto Insurance for Drivers With a DUI (2023)

Finding car insurance coverage with a DUI on your driving record can be difficult. Having a DUI on your record can significantly impact your car insurance rates, and the average rate increase for someone with a DUI is around 74%.

Still, some companies offer cheap DUI insurance to drivers looking for affordable rates. To find the best auto insurance for a DUI, you must shop online and compare quotes from the best auto insurance companies in your area.

How much do auto insurance rates increase with a DUI? 

On average, car insurance rates increase by 74% after a DUI, amounting to around $1,032 annually. 

In comparison, a person with a speeding ticket pays about 24% more per year, and someone who’s at fault in an accident could pay around 47% more for auto insurance.

However, auto insurance rates following a DUI conviction depend on several factors. Each car insurance company will likely offer you different coverage rates based on age, gender, ZIP code, credit score, and more.

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How much do companies charge for auto insurance after a DUI?

Insurance quotes for DUI drivers vary for several reasons. Still, certain companies tend to charge higher rates for coverage than others.

For example, while Progressive charges around 28% more annually for someone with a DUI, Geico charges up to 151% more.

DUI insurance with State Farm costs nearly 40% more annually than coverage for a standard driver, and Allstate and Nationwide charge over $3,000 per year on average for car insurance coverage.

How does a DUI impact my car insurance?

A rate increase will be the most significant change to your insurance following a DUI conviction. However, you may even find that your insurance company is no longer willing to offer you car insurance coverage because of the blemish on your record.

As a high-risk driver, you may have to seek out non-standard car insurance companies offering coverage to people with poor driving records. Unfortunately, you can expect to pay more for coverage based on your status as a high-risk driver, but it’s important to find coverage before getting behind the wheel.

Rate increases for people with a DUI vary from state to state. For example, people in Washington may pay around 33% more for car insurance coverage following a DUI or DWI conviction, whereas people in North Carolina typically pay about 300% more for coverage.

When looking for cheap car insurance with a DUI, it’s essential to compare rates from multiple companies based on where you live. Doing so will help you determine which company offers the best insurance for a DUI in your area.

How do insurance companies learn about my DUI?

Most car insurance companies request copies of people’s driving records before offering them a policy. Any accidents, tickets, or violations will appear when a company requests a copy of your driving record.

Even if you maintain a policy with the same company following your conviction, your insurer will learn about your DUI, particularly if you file a claim. Even if you don’t, your insurance provider will likely check your driving record every year.

You may also be required to file an SR-22 form with your insurance company following your DUI conviction. If this happens, your company will increase your rates immediately or drop you as a policyholder.

However, you may still be able to find affordable DUI insurance by shopping for quotes online.

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How long will a DUI impact my auto insurance?

You can expect your rates to increase for three to five years after your DUI conviction. The difference in the timeline has a lot to do with where you live.

For instance, in some states, like North Carolina, insurance companies can only look back on a driving record for three years. Other states, like Massachusetts, allow five years. So you’ll need to research your state’s laws to understand better how long your DUI will impact your car insurance rates.

How can I lower my car insurance rates after a DUI?

If you have a DUI on your driving record, you may be able to lower your rates by doing one or more of the following:

• Ask about discounts. Auto insurance discounts can help you save up to 25% on your coverage. If you have a DUI on your record, you could get a discount for completing a safe driving course or having a vehicle with safety features. 
• Prove you’re a good driver. Many insurance companies offer usage-based programs that track your driving habits. You could enroll in a usage-based program and allow companies to see things like your acceleration, braking patterns, and other things. 
• Compare quotes. Before committing to any company, compare car insurance quotes from multiple providers to see who offers the cheapest insurance for a DUI.

Once you find a company you like, consider comparing quotes to find the cheapest DUI insurance annually. Doing so could help you save hundreds of dollars on auto insurance coverage.

Can my insurance increase if I wasn’t in an accident but got a DUI?

You don’t have to file a claim or be in a car accident to see a rate increase following a DUI conviction. However, your DUI suggests you’re a risk on the road because of your poor judgment, even if you weren’t in an accident.

The National Highway Transportation and Safety Administration reports that individuals with blood alcohol concentrations (BAC) above .08% are four times more likely to be in a car accident than those with zero BAC.

Insurance companies take this information seriously and only offer car insurance premiums after assessing an individual’s risk behind the wheel.

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Car Insurance With a DUI: The Bottom Line

If you have a DUI on your driving record, expect to pay more for car insurance, but you may be able to find cheap insurance with a DUI.

State Farm and Travelers auto insurance offer the cheapest rates on average for people with a DUI or DWI on their driving records. Still, you must shop around and compare quotes to find the best car insurance for someone with a DUI in your area.

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