Best DUI Car Insurance

Best DUI Car Insurance

While every auto insurance company is likely to increase your rates after you drive under the influence (DUI), there are some companies that offer better DUI car insurance than others.

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After a DUI conviction, you'll want to look for companies that offer the best rates and that focus on offering coverage to high-risk drivers. National companies may deliver affordable prices for insurance after a DUI, but regional insurers often excel in this area.

Even if your auto insurer hasn't found out about your DUI, we recommend being honest to avoid other dangers that might increase your rates further, like having your policy lapse. If your insurer wants to cancel your car insurance after a DUI, we recommend comparing quotes and discounts among companies that are known for offering DUI insurance to get your best available rates.

Best DUI insurance companies

Having a DUI on your driving record will likely cause your auto insurance rates to increase because auto insurance companies will designate you as a high-risk driver. This will probably be the case with any auto insurance company, and some insurers might not offer you coverage at all.

Further complicating the matter, the increase in your auto insurance rates after a DUI can range wildly, sometimes doubling or tripling annual premiums. To make finding car insurance after a DUI easier, we highlight a few notable insurance companies that we consider to provide some of the best DUI car insurance.

Best national DUI car insurance: State Farm

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Among major insurance companies, State Farm provides some of the lowest auto insurance rate increases and rates overall for drivers involved in a DUI. The company's average rate for a driver with a DUI was $2,266 per year — the best among insurers who offer policies in most states.

State Farm also ranked as the cheapest option for drivers with a DUI in 32 states. Additionally, the company offers SR-22 coverage, which some states require after a DUI, but you will have to speak to an agent. State Farm has a large network of agents who can provide highly personalized answers to your questions.

State Farm Review


Cheapest regional DUI car insurance: Fred Loya

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Some of the lowest rates for drivers with a DUI conviction came from Fred Loya, which operates in 11 states and is based in Texas. The company charged an average $1,638 per year for full-coverage car insurance after a DUI.

Fred Loya was the cheapest option in Texas, where it does nearly half its business. It’s worth noting that the company raised rates an average of 67% after a DUI, but its initial rates were already extremely low. Fred Loya also offers SR-22 insurance.

Fred Loya Insurance Review


Best for drivers with multiple DUIs: The General

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The General, unlike many other auto insurance companies, doesn't shy away from offering coverage to high-risk drivers, such as those with multiple DUIs on their driving records. In fact, when you're getting a quote from The General, you'll be prompted with a question asking if you require an SR-22. If you need it, the form will be included in your policy.

Some auto insurance companies that offer nonstandard auto insurance skimp on basic features. However, that isn't the case with The General, as it offers convenient features like a mobile app. Furthermore, The General provides favorable rates to high-risk drivers, making it one of the better choices for DUI auto insurance.

The General review

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The company's average rate for a driver with a DUI was $2,266 per year \u2014 the best among insurers who offer policies in most states.\u003C\/p\u003E\n\n\u003Cp\u003EState Farm also ranked as the cheapest option for drivers with a DUI in 32 states. Additionally, the company offers SR-22 coverage, which some states require after a DUI, but you will have to speak to an agent. State Farm has a large network of agents who can provide highly personalized answers to your questions.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm insurance review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm Review\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Ch3 id=\"regional\"\u003ECheapest regional DUI car insurance: Fred Loya\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateBanner\" data-component-name=\"AffiliateBanner\"\u003E\n \u003Cdiv class=\"AffiliateTileBanner--root AffiliateTileBanner--align-center \"\u003E\u003Cdiv class=\"AffiliateTileBanner--inner\"\u003E\u003Cdiv class=\"AffiliateTileBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateTileBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateTileBanner--image-link \" href=\"https:\/\/www.fredloya.com\/\" rel=\"nofollow\" target=\"_blank\" title=\"Fred Loya\"\u003E\u003Cimg alt=\"Fred Loya\" class=\"Image--root lazyload\" data-src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_1.0,f_auto,q_auto\/referral_logos\/us\/insurance\/fredloya-1\" data-srcset=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_1.0,f_auto,q_auto\/referral_logos\/us\/insurance\/fredloya-1 1x, \/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto\/referral_logos\/us\/insurance\/fredloya-1 2x\" src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto\/e_blur:1000,q_1,f_auto\/referral_logos\/us\/insurance\/fredloya-1\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateTileBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid Button--square \" href=\"https:\/\/www.fredloya.com\/\" rel=\"nofollow\" target=\"_blank\" title=\"Get a Quote\"\u003EGet a Quote\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003E \u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateBanner\"\u003E{\"align\":\"center\",\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Get a Quote\",\"category\":\"auto_insurance_companies\",\"className\":\"\",\"cloudinaryImageName\":\"referral_logos\\\/us\\\/insurance\\\/fredloya-1\",\"cssNamespace\":\"AffiliateTileBanner\",\"context\":\"\",\"disclaimers\":[\"\"],\"isButtonSquare\":true,\"isUnavailable\":false,\"link\":\"https:\\\/\\\/www.fredloya.com\\\/\",\"name\":\"Fred Loya\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003ESome of the lowest rates for drivers with a DUI conviction came from Fred Loya, which operates in 11 states and is based in \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Compare The Cheapest \u2014 and Best \u2014 Texas Car Insurance Companies\" href=\"https:\/\/www.valuepenguin.com\/car-insurance-rates-texas-study\"\u003ETexas\u003C\/a\u003E\u003C\/span\u003E. The company charged an average $1,638 per year for full-coverage car insurance after a DUI.\u003C\/p\u003E\n\n\u003Cp\u003EFred Loya was the cheapest option in Texas, where it does nearly half its business. It\u2019s worth noting that the company raised rates an average of 67% after a DUI, but its initial rates were already extremely low. Fred Loya also offers SR-22 insurance.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Fred Loya Insurance insurance review\" href=\"https:\/\/www.valuepenguin.com\/fred-loya-insurance-review\"\u003EFred Loya Insurance Review\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Ch3 id=\"risk\"\u003EBest for drivers with multiple DUIs: The General\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateBanner\" data-component-name=\"AffiliateBanner\"\u003E\n \u003Cdiv class=\"AffiliateTileBanner--root AffiliateTileBanner--align-center \"\u003E\u003Cdiv class=\"AffiliateTileBanner--inner\"\u003E\u003Cdiv class=\"AffiliateTileBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateTileBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateTileBanner--image-link \" href=\"https:\/\/insurance.mediaalpha.com\/zero-click.html?cu=https:\/\/www.thegeneral.com\/&carrier=The%20General;TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA\" rel=\"nofollow\" target=\"_blank\" title=\"The General\"\u003E\u003Cimg alt=\"The General\" class=\"Image--root lazyload\" data-src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_1.0,f_auto,q_auto\/referral_logos\/us\/insurance\/thegeneral-1\" data-srcset=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_1.0,f_auto,q_auto\/referral_logos\/us\/insurance\/thegeneral-1 1x, \/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto\/referral_logos\/us\/insurance\/thegeneral-1 2x\" src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto\/e_blur:1000,q_1,f_auto\/referral_logos\/us\/insurance\/thegeneral-1\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateTileBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid Button--square \" href=\"https:\/\/insurance.mediaalpha.com\/zero-click.html?cu=https:\/\/www.thegeneral.com\/&carrier=The%20General;TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA\" rel=\"nofollow\" target=\"_blank\" title=\"Get a Quote\"\u003EGet a Quote\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003E \u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateBanner\"\u003E{\"align\":\"center\",\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Get a Quote\",\"category\":\"auto_insurance_companies\",\"className\":\"\",\"cloudinaryImageName\":\"referral_logos\\\/us\\\/insurance\\\/thegeneral-1\",\"cssNamespace\":\"AffiliateTileBanner\",\"context\":\"\",\"disclaimers\":[\"\"],\"isButtonSquare\":true,\"isUnavailable\":false,\"link\":\"https:\\\/\\\/insurance.mediaalpha.com\\\/zero-click.html?cu=https:\\\/\\\/www.thegeneral.com\\\/&carrier=The%20General;TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA\",\"name\":\"The General\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe General, unlike many other auto insurance companies, doesn't shy away from offering coverage to high-risk drivers, such as those with multiple DUIs on their driving records. In fact, when you're getting a quote from The General, you'll be prompted with a question asking if you require an \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"SR-22\" href=\"https:\/\/www.valuepenguin.com\/sr-22-auto-insurance\"\u003ESR-22\u003C\/a\u003E\u003C\/span\u003E. If you need it, the form will be included in your policy.\u003C\/p\u003E\n\n\u003Cp\u003ESome auto insurance companies that offer nonstandard auto insurance skimp on basic features. However, that isn't the case with The General, as it offers convenient features like a mobile app. Furthermore, The General provides favorable rates to high-risk drivers, making it one of the better choices for DUI auto insurance.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The General insurance review\" href=\"https:\/\/www.valuepenguin.com\/the-general-insurance-review\"\u003EThe General review\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

DUI insurance rates by company

The cheapest national insurers for drivers with a DUI, DWI or DWAI include State Farm, USAA and Progressive. However, smaller insurers offer cheaper options when it comes to coverage.

Where you live, along with other personal factors, can have a notable impact on your insurance rates. This means it's important to shop around, get multiple quotes and be fully aware of all your options.

Company
Annual rate with no DUI
Annual rate with a DUI
Increase
Fred Loya$979$1,63867%
Concord General$1,148$1,96872%
Mutual of Enumclaw$1,177$2,08877%
State Farm$1,623$2,26640%
NJ Manufacturers$1,898$2,33523%
Wadena$1,348$2,37576%
Grange$1,835$2,40431%
Alfa$2,028$2,44120%
Mercury$1,487$2,45465%
Country Preferred$1,698$2,50047%
USAA$1,288$2,51795%
Erie$1,612$2,64764%
Show All Rows

How do insurance companies find out about a DUI?

Your insurance company will most likely find out about your DUI through the DMV. Different insurance companies check these records at different times, but many check when you're renewing your policy.

It is highly unlikely — if not impossible — to hide a DUI from your insurer indefinitely.

Another way your insurance company might find out about a DUI is if you require an SR-22 filing. If you've been convicted of a DUI or a DWI, you'll likely need to file an SR-22 form to get your license reinstated. Your auto insurance company would need to file the SR-22 with your state's department of motor vehicles on your behalf.

We recommend telling your insurer about your DUI conviction. If you fail to let your auto insurance company know about your DUI, it could outright cancel your policy, which could mean a lapse in coverage and higher rates. While the risk of cancellation still exists if you reveal your DUI to your insurer, you won't be caught off guard and will have time to evaluate your options.

How to find cheap car insurance after a DUI

In order to find cheap DUI insurance, you'll have to shop around, consider available discounts and avoid any further driving infractions, including DUIs.

Shop around: The best way to save money on any sort of auto insurance is to compare quotes. We recommend starting with getting quotes from the companies that offer the best auto insurance rates for all drivers. While most companies increase your rates after a DUI, the cheapest companies raise them from a lower base rate. We recommend comparing cheap quotes to those offered by some of the best high-risk auto insurance companies.

Identify available discounts: One of the best ways to knock down high rates is to hunt for discounts that can lower your premium. For instance, Geico offers up to a 15% discount to current or former military members, which could mean a healthy savings after a DUI. It's critical that you inquire about each company's discounts before signing up for coverage. One other potential high-value discount is an auto and home insurance bundle.

Avoid driving infractions: Going forward, it's imperative that you maintain a clean driving record to avoid even higher rates. While you won’t feel the effects of safe driving immediately, over time it can lower your insurance rates after a DUI and get you discounts. Keep in mind that in some states, such as California, you can't qualify for good-driver discounts for a set period after a DUI conviction.

DUI insurance rates by state

The state you live in has a significant impact on how much you pay for insurance after a DUI. The difference in average annual rates from the cheapest state, Maine, to the most expensive, Michigan, is $24,948.

State Farm is most often the cheapest option among companies surveyed, offering the best rate in 32 states. That said, another company could be cheaper for your particular situation.

State
Rate with no DUI
Rate with a DUI
Increase
Cheapest company
Alabama$1,870$3,29976%Alfa
Alaska$1,576$2,33348%State Farm
Arizona$3,071$4,43544%State Farm
Arkansas$2,065$3,35663%State Farm
California$1,817$5,153184%Mercury
Colorado$3,120$4,50945%State Farm
Connecticut$2,753$5,553102%State Farm
Delaware$2,883$4,43354%State Farm
Florida$3,230$4,09727%State Farm
Georgia$2,386$3,87762%Farm Bureau
Hawaii$1,763$5,652221%USAA
Idaho$1,707$2,83666%State Farm
Show All Rows

DUI and car insurance in California and Florida

In California, it's against the law for your auto insurance company to increase your rates or cancel your policy in the middle of your term. For example, if you purchase a six-month policy and are convicted of a DUI in the third month, your insurance company cannot raise your rates or cancel your coverage until the policy ends. Furthermore, DUI offenses are removed from your public driving record after 10 years. However, during that 10-year span, you will not be eligible for any good-driver discounts in California.

Florida law requires drivers who have been convicted of a DUI to carry higher-than-usual insurance limits. To get your license reinstated after a DUI in Florida, you'll need to have an insurance company file an FR-44 on your behalf to prove that you have the required coverage limits.

FAQ

How long does a DUI affect insurance rates?

How long DUIs affect your insurance varies by location and insurer. The most common range is three to five years. A DUI can stay on your record for 10 years, and in California it will prevent you from getting a good-driver discount.

What is the difference between a DUI and a DWI?

In most states, the difference between a DUI and a DWI doesn't exist — the terms can be used interchangeably. In a few states, they represent different levels of intoxication, though which is worse depends on the state.

Is there any DUI insurance trick?

No, there is no trick to prevent your insurance from going up after a DUI. Your insurer will find out through the DMV at some point. Rather than trying to trick an insurer, your best options are to shop around for the best rate, find as many discounts as you can and avoid compounding the increase with another violation.

What's the best insurance for a DUI?

The best insurance after a DUI depends both on your location and your preferences. State Farm offers the lowest overall rates from a national insurer. Some companies specialize in high-risk drivers. Some local insurers may offer better rates. You can also look into options such as non-owner car insurance.

How do I get SR-22 insurance?

An insurer has to file an SR-22 form for you. This shows the state you have a required level of insurance coverage. Both large and small companies offer SR-22 coverage, although smaller companies are often cheaper options.

How much does insurance go up after a DUI?

Insurance rates go up an average of 64% after a DUI, according to a ValuePenguin analysis. That number varied widely by company and by state. In North Carolina, a DUI quadrupled the average price of insurance, while a violation caused a 27% increase in Florida.

Methodology

We analyzed rates drawn from ZIP codes across the country. They were drawn from the largest insurers in each state, so averages for individual companies only reflect states in which they have a large presence.

The sample driver is a single 30-year-old male with average credit and a 2015 Honda Civic EX. He has a full-coverage policy, and all rates that include a DUI are for drivers with only one DUI.

Rates were provided by Quadrant Information Systems and sourced from public insurer filings. Your rates will likely be different as these are for comparison purposes only.

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