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The Best DUI Car Insurance in 2022

Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

One sure way to lose auto insurance is to get behind the wheel of a car while drunk. Because of the risk to the driver and anyone else on the road, insurance companies are wary of providing auto coverage to those who decide to drink and drive. Here, we'll take a look at DUI insurance rates, find out if it's possible to obtain insurance coverage after a DUI, and learn which companies offer the best car insurance after DUI convictions.

State Farm

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Best for low ratesState Farm
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Bottom Line

State Farm, one of most recognized insurers in the country, is also the most forgiving when it comes to DUI car insurance. State Farm routinely trounces the competition when it comes to post-DUI rates. In addition to growing access to digital services, State Farm auto insurance is financially sound and enjoys a high customer satisfaction rating, according to J.D. Power.

SafeAuto

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Best for nonstandard policiesSafeAuto
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Bottom Line

SafeAuto is known as a go-to insurer for high-risk drivers, including those in search of DUI insurance. While the premiums on a comprehensive policy are unlikely to be affordable, SafeAuto offers minimum coverage policies that can be worked into most budgets. SafeAuto prides itself on personalized coverage and affordable payment plans.

Progressive

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Best for drivers willing to share driving habitsProgressive
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Drivers who don't spend a lot of time in the car can benefit from Progressive's "Snapshot" program. Rather than paying for more than they need, drivers looking for cheap car insurance with a DUI can download an app that tracks driving habits. If they show that they have safe driving habits, Progressive may reduce their rates.

Erie Auto Insurance

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Best for bells and whistlesErie Auto Insurance
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Erie is another “best bet” when it comes to DUI car insurance. While the company is only available in 12 states, it offers some of the lowest rates in the industry to drivers with a blemished driving record. This low-cost insurer offers more than a vanilla policy. Options include locksmith services, roadside and rentals bundle, and even pet coverage.

Geico

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Best for discountsGeico
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Geico offers some of the most competitive rates in the country, even for drivers with a DUI on their records and in need of DUI insurance. In addition to low rates, Geico offers an easy application process, overwhelmingly positive customer service ratings, and a full menu of discounts.

Allstate

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Best for low-mileage driversAllstate
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Drivers seeking DUI insurance can minimize the financial pain of higher premiums by taking advantage of the Allstate Drivewise program. It starts with plugging the device into their vehicle, an act that will land them an instant premium reduction. Then, with every six months of responsible driving, their premiums will go down a bit more. It could be a great option for a low-mileage driver.

Car insurance rates after DUI or DWI

Depending on the state in which a driver lives and the severity of their offense, their insurance rate could increase by anywhere from 28% to 371%. In Missouri, for example, the average auto insurance rate goes up by just under $800. In North Carolina, DUI car insurance rates can be more than triple what someone without a DUI would pay. So, if someone normally pays $1,500 per year for coverage, their rates could jump to more than $4,500. The term "cheap DUI insurance" is relative. Drivers should expect to pay higher car insurance costs following a DUI. It's a matter of finding an insurance company that provides DUI insurance at a more forgiving rate until the DUI finally falls off the driver's record.

What's the difference between DUI, DWI, OUI, and OVI?

Each of these acronyms refer to driving while impaired by alcohol or drugs, and they each lead to the need for DUI car insurance and higher insurance rates. Here's a look at what they mean.

  • DUI: Driving under the influence
  • DWI: Driving while intoxicated
  • OUI: Operating under the influence
  • OVI: Operating a vehicle while intoxicated

Average car insurance cost increase after a DUI

On average, taking out DUI car insurance increases a driver's rates by 94%. To see what that means to the average driver, let's say someone is paying $1,500 per year before their drunk driving conviction. Afterward, they can expect to pay around $2,910 annually for DUI auto insurance. While it's less in Missouri and more in North Carolina, 94% represents the average increase once a driver takes out DUI insurance.

How to find cheap car insurance after a DUI

The best advice for finding cheap car insurance following a DUI is to shop around and collect DUI car insurance quotes. Drivers should take time to check the rates of many insurers, even those they have never heard of. That's because every car insurance company treats DUI convictions and DUI insurance differently. All insurers charge more for drivers with DUIs than for drivers with a clean record, but some charge far more, and some offer comparatively cheap car insurance with a DUI.

Looking for the best car insurance companies is the responsibility of every driver, but is particularly important for someone who needs DUI car insurance. There's simply no way for many people to get around without adequate car insurance coverage. Even if the most the driver can afford after a DUI is liability insurance, that beats running the legal risk of being uninsured.

When it comes to high-risk auto insurance, it's not all bad news. Every insurance agency in the country understands the reality of drunk driving, and many do their best to provide cheap DUI insurance. While some admittedly do better than others, it is possible to find cheap car insurance with a DUI.

Cheapest auto insurance after a DUI

We checked all 50 states and Washington D.C., and noted that State Farm offers the best insurance for DUI drivers in 35 states as well as D.C. Among other insurers, only Erie and Geico offered the cheapest DUI insurance in more than one state. Here's the cheapest post-DUI insurer in each state.

State Cheapest DUI Car Insurance
Alabama USAA
Alaska State Farm
Arizona State Farm
Arkansas State Farm
California Mercury
Colorado State Farm
Connecticut State Farm
Delaware State Farm
Florida State Farm
Georgia State Farm
Hawaii State Farm
Idaho State Farm
Illinois State Farm
Indiana Erie
Iowa State Farm
Kansas American Family
Kentucky State Farm
Louisiana Southern Farm Bureau
Maine State Farm
Maryland Erie
Massachusetts Geico
Michigan Progressive
Minnesota State Farm
Mississippi State Farm
Missouri State Farm
Montana State Farm
Nebraska State Farm
Nevada State Farm
New Hampshire Concord Group
New Jersey New Jersey Manufacturers
New Mexico State Farm
New York Progressive
North Carolina NC Farm Bureau
North Dakota State Farm
Ohio State Farm
Oklahoma State Farm
Oregon State Farm
Pennsylvania State Farm
Rhode Island Geico
South Carolina State Farm
South Dakota State Farm
Tennessee State Farm
Texas Geico
Utah Bear River
Vermont State Farm
Virginia State Farm
Washington State Farm
Washington D.C. State Farm
West Virginia State Farm
Wisconsin State Farm
Wyoming State Farm
Source: thezebra.com

Best car insurance companies after a DUI

The insurance provider that stands out from the crowd when it comes to DUI car insurance is State Farm, followed by Erie Insurance and Geico.

How long does a DUI stay on your driving record?

How long a DUI stays on your record depends on the state in which you live. In most states, a DUI will remain on a driver's record for three to five years, although it may impact a driver's insurance premium for around seven years. The exceptions to the rule are:

  • California: 10 years
  • New York: 10 years
  • Iowa: 12 years
  • Florida: 75 years
  • Alaska: forever

Driving drunk is a lose-lose situation. In addition to the risk of a car accident, a DUI offender runs the risk of being dropped by their auto insurance company. Once they lose motor vehicle coverage, a driver must scramble to find the cheapest car insurance available through another insurance carrier. For a driver with a history of driving under the influence, the cost of DUI car insurance may be high enough to keep them off the road.

The Picks
Offer Best For Next Steps
Graphic of State Farm
State Farm
Rating image, 5.00 out of 5 stars.
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For: Best for low rates
Graphic of SafeAuto
SafeAuto
Rating image, 2.00 out of 5 stars.
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For: Best for nonstandard policies
Graphic of Progressive
Progressive
Rating image, 4.00 out of 5 stars.
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For: Best for drivers willing to share driving habits
Graphic of Erie Auto Insurance
Erie Auto Insurance
Rating image, 4.00 out of 5 stars.
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
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Great For: Best for bells and whistles
Graphic of Geico
Geico
Rating image, 4.50 out of 5 stars.
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
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Great For: Best for discounts
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Allstate
Rating image, 4.00 out of 5 stars.
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= Excellent
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Great For: Best for low-mileage drivers

FAQs

  • Geico, Progressive, Allstate, and State Farm are four of the most highly rated insurance companies offering coverage to drivers with a DUI on their record.

  • In some states, auto insurance after a DUI violation can cost three times as much as it did before the incident. Even in a state on the low end, your rates will still increase. DUI drivers in Missouri, for example, can expect their annual rate to go up by nearly $800 following a DUI.

  • If you can no longer afford your insurance company after a DUI or your policy is canceled, you may have trouble finding another insurer willing to cover you. You will need to keep looking until you find a company to write a policy or stop driving until you can. In addition, the court may require you to carry SR22 insurance. Despite its name, SR22 is not insurance, but rather a document provided by your insurance company stating that you have liability coverage.

  • The length of time you will be required to carry an SR22 after a DUI depends on the states in which you are licenced to drive. Typically, it ranges from one to three years, although that depends on the severity of your conviction.

  • There's a good chance your insurance company will cancel your policy after a DUI conviction. If not, you can expect your rates to skyrocket.

  • No, there is little-to-no chance of a DUI impacting your credit score. That's because the conviction is held on your criminal record and kept with the Department of Justice.

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