Best Auto Insurance for Drivers With a DUI

There’s no type of insurance specifically for people with DUIs, but insurance for those who have one is more costly because the driver is considered high risk. In some states, a DUI stays on your driving record for a few years, and in others, a DUI can last for decades or even your lifetime. Many companies offer affordable DUI insurance, and you can take advantage of a variety of discounts.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 22, 2022

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Things to Remember

  • People with one or more DUIs usually pay more for car insurance
  • The amount of time a DUI stays on your record varies depending on the state
  • Many companies offer DUI insurance with affordable rates and helpful discounts

Driving under the influence of alcohol or drugs can come with a range of penalties, including a suspended license, fines, or jail time. Getting car insurance after a DUI is usually more expensive, but affordable options are still out there. We made finding the best DUI car insurance rates from a variety of companies easy.

In this article, we’ll help you find out more about cheap DUI insurance and how a DUI can impact your rates. Let’s take a closer look at how you can search for car insurance quotes for drunk drivers and learn more about your options.

Is there a special kind of insurance for people with DUIs?

There’s no specific type of auto insurance for people with DUIs, and DUI insurance can refer to any policy that covers someone after a DUI. Most states require liability insurance, and DUI liability insurance protects other drivers if you have an accident. It covers medical expenses and property damage, and it even applies if you drive under the influence again. 

However, liability insurance doesn’t cover damage to your car. DUI full coverage insurance includes collision and comprehensive insurance. Collision pays for any damage from accidents, and comprehensive covers damage from theft, vandalism, bad weather, and other causes.

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What are the cheapest DUI insurance providers around?

Let’s take a look at the average monthly DUI liability and DUI full-coverage rates from some of the most popular car insurance companies in the United States.

Insurance CompanyAverage Monthly DUI Liability RateAverage Monthly DUI Full-Coverage Rate
American Family$184$361
Farmers $201$393
Liberty Mutual$324$634
State Farm$155$303
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DUI or DWI offenders usually pay about 36% more for car insurance. USAA is the least expensive car insurance company, but only military veterans and their families can use it. Progressive, State Farm, and American Family are affordable options for drivers with a DUI or DWI as well.

On average, people with a DUI pay $209/month for liability insurance and $410/month for full coverage.

What happens when you get a DUI?

A person who gets a DUI is caught driving under the influence of alcohol or drugs. In some states, driving while on drugs is called a DWI instead, and it stands for driving while impaired.

The consequences of a DUI or DWI vary depending on the state. Your driver’s license could be suspended for up to two years, and you could lose your job if it involves driving. Your insurance rates will increase, and your conviction will show up on background checks for jobs, apartments, and college applications.

In some states, a DUI only stays on your driving history for a few years. In others, it remains for the rest of your life.

How does a DUI impact your insurance?

On average, insurance prices rise by 74% after a DUI. Before you decide which policy is best for your needs, consider the average monthly liability and full-coverage rates of some of the biggest insurers before and after a DUI.

Here are some of the average rates from the top car insurance companies before a DUI for liability and full-coverage insurance. 

Insurance CompanyAverage Monthly Liability Rate Without a DUIAverage Monthly Full-Coverage Rate Without a DUI
State Farm$116$161
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These are just a few of the available car insurance companies in your area. It’s always a good idea to get quotes from as many companies as possible for the best possible savings, especially when you have a DUI. There are often discounts and additional opportunities available to you to help save on your monthly rates.  

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What is SR-22 insurance?

There’s no specific type of insurance called SR-22. Instead, in some states, an SR-22 certificate is required for people with DUI convictions and other high-risk drivers. The insurance company must notify the Department of Public Safety (DPS) by filing an SR-22 form when someone with a DUI gets coverage and when coverage ends. This helps courts ensure that high-risk drivers have a minimum amount of insurance coverage and that they don’t let their policies lapse.

What is the best car insurance for drivers with a DUI?

There’s no DUI insurance trick that can protect you completely from higher rates, but many companies offer helpful discounts, even if you’ve made a mistake in the past. 

The best way to find the best car insurance for you is to shop around at as many car insurance companies as you can. DUI car insurance rates vary, so take the time to compare your options.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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