Cheapest Car Insurance for DUI– Compare High-Risk Quotes
Getting a DUI (Driving Under the Influence) can feel like a heavy blow, not just to your driving record but also to your wallet. Car insurance rates often skyrocket after a DUI, with premiums increasing by an average of 72% nationwide. But don’t lose hope—affordable car insurance is still within reach if you know where to look and what steps to take. This guide will walk you through finding the cheapest car insurance for DUI, offer practical tips to lower your rates, and help you navigate the process with ease. Whether you’re a first-time offender or looking to rebuild, we’ve got you covered with clear, actionable advice.
Why Does a DUI Affect Car Insurance Rates?
A DUI conviction signals to insurance companies that you’re a high-risk driver. This means they see you as more likely to file a claim due to accidents or other incidents. To cover this risk, insurers raise premiums significantly. According to recent data, a DUI can increase your annual premium by $1,500 or more, depending on your state, age, and insurance provider. For example, a 35-year-old driver with a clean record might pay $1,630 a year for full coverage, but after a DUI, that could jump to $3,010 or higher.
The good news? Not all insurers treat DUIs the same way. Some companies, like Progressive or State Farm, offer relatively affordable rates for drivers with a DUI, while smaller regional insurers might provide even better deals. Shopping around is key to finding the best price.
Top Insurance Companies for Cheap DUI Car Insurance
Here’s a look at some of the best insurance companies offering affordable rates for drivers with a DUI, based on recent analyses. These companies balance cost, coverage options, and customer service to provide value even after a DUI.
1. Progressive
Progressive is often the top choice for drivers with a DUI because it raises rates by only 24% on average, compared to the national average of 72%. For a 35-year-old driver, Progressive’s full coverage policy after a DUI costs about $3,010 annually, or $251 monthly. Progressive is available in all 50 states and Washington, D.C., making it a reliable option no matter where you live.
Why Choose Progressive?
- Competitive rates for high-risk drivers, including those with DUIs, speeding tickets, or accidents.
- High customer satisfaction, with many policyholders recommending Progressive to friends and family.
- Offers SR-22 filing, which is often required after a DUI to prove you have the minimum state-required insurance.
Drawback: Progressive received a C grade for its collision claim process from auto repair experts, so claims handling might not be as smooth as with other insurers.
2. State Farm
State Farm is another strong contender, with average rates of $1,588 per year ($132 monthly) for drivers with a DUI. It’s especially appealing for its user-friendly digital tools, including a highly rated mobile app (4.7 out of 5 stars) that lets you manage policies, file claims, and access roadside assistance. State Farm is available in 48 states and Washington, D.C., though it only services existing policyholders in Massachusetts and Rhode Island.
Why Choose State Farm?
- Affordable DUI rates, especially for drivers ages 25, 40, and 70.
- Excellent digital experience with online quoting and helpful explainer videos.
- Low complaint levels with state insurance departments, indicating solid customer service.
Drawback: Rates for drivers with poor credit are higher than some competitors, and collision claim processes received a C- grade.
3. American National
American National stands out for offering some of the lowest rates for drivers with a DUI, averaging $1,477 per year. That’s 60% cheaper than the national average for DUI drivers. Available in most states, American National is a great choice for those looking to save without sacrificing coverage.
Why Choose American National?
- Lowest sample premiums for drivers with DUIs, accidents, or teen drivers.
- Offers a range of discounts to further lower costs.
- Strong option for drivers seeking minimum coverage to meet state requirements.
Drawback: Less widely available than Progressive or State Farm, so check availability in your state.
4. Erie Insurance
Erie offers competitive rates for DUI drivers, averaging $4,088 annually after a DUI. While not the cheapest, Erie includes unique features like accident forgiveness and pet coverage with comprehensive or collision policies. It’s available in 12 states and Washington, D.C.
Why Choose Erie?
- Low rates for high-risk drivers, including those with DUIs or accidents.
- Rate lock feature to prevent premium increases after a claim.
- High customer satisfaction scores from J.D. Power.
Drawback: Limited availability, so it’s not an option for everyone.
5. Geico
Geico provides affordable DUI insurance in many states, with an average annual rate of $4,601 after a DUI. It’s a solid choice for drivers in states like Florida, Maryland, or Utah, where Geico often has the lowest rates for DUI drivers. Geico also offers 16 discounts, including ones for defensive driving courses.
Why Choose Geico?
- Competitive rates in specific states for DUI drivers.
- Wide range of discounts and add-ons like roadside assistance.
- Available nationwide, making it accessible for most drivers.
Drawback: Below-average customer service and claims handling scores from J.D. Power.
6. Smaller Regional Insurers
Don’t overlook smaller insurers like NJM, MAPFRE, or Indiana Farmers. These companies often offer the cheapest rates for DUI drivers in their regions. For example, Indiana Farmers averages $80 monthly in Illinois, Indiana, and Ohio. Check your state’s farm bureaus or regional insurers for potential savings.
How to Find the Cheapest Car Insurance After a DUI
Finding affordable car insurance after a DUI takes effort, but these steps can help you save hundreds or even thousands of dollars:
1. Compare Quotes from Multiple Insurers
Every insurance company evaluates DUIs differently, so shopping around is crucial. Use online comparison tools to get quotes from at least three to five insurers. Include both large companies like Progressive and State Farm and smaller regional providers. Rates can vary widely by state and personal factors like age or credit score.
2. Look for Discounts
Many insurers offer discounts that can lower your premium, even with a DUI:
- Defensive Driving Course Discount: Completing a state-approved defensive driving course can save you 5-15% on your policy and improve your driving skills.
- Bundling Discount: Combine your auto insurance with home or renters insurance for savings of up to 25%.
- Good Student Discount: If you’re a young driver or have a student on your policy, maintaining a B average can reduce rates.
- Telematics Discount: Programs like Progressive’s Snapshot or State Farm’s Drive Safe & Save track your driving habits and reward safe driving with lower rates.
3. Consider Minimum Coverage
If full coverage (comprehensive and collision) is too expensive, opt for minimum liability coverage to meet your state’s requirements. This is often the cheapest option, averaging $780 per year nationwide. However, minimum coverage won’t pay for damage to your own car, so weigh the risks carefully.
4. Improve Your Driving Record
A DUI typically affects your insurance rates for three to five years. During this time, avoid additional violations like speeding tickets or accidents. Taking a defensive driving course can also show insurers you’re committed to safer driving, potentially lowering your rates.
5. Reconsider Your Vehicle
The type of car you drive impacts your insurance costs. Sports cars or luxury vehicles are more expensive to insure than sedans or compact cars. Check out lists of the cheapest cars to insure, like those from NerdWallet, to find budget-friendly options.
6. Check for SR-22 or FR-44 Requirements
After a DUI, many states require you to file an SR-22 (or FR-44 in Florida and Virginia) to prove you have sufficient liability insurance. Most insurers, like Progressive and State Farm, can file this for you for a small fee (around $25). Ask about this when getting quotes to avoid surprises.
Understanding SR-22 and FR-44 Forms
An SR-22 is a certificate your insurance company files with your state to confirm you carry the minimum required insurance. It’s often required for three years after a DUI, though this varies by state. An FR-44, used in Florida and Virginia, is similar but requires higher liability limits. Both forms increase your costs slightly due to filing fees, but choosing an insurer experienced with SR-22s can streamline the process.
State-Specific Considerations for DUI Insurance
Car insurance rates and DUI regulations vary by state, so it’s important to understand your local requirements. Here are a few examples:
- Florida: Geico often offers the cheapest DUI rates, but an FR-44 form is required, increasing liability coverage needs.
- California: Rates after a DUI can be steep, but companies like Mercury or Wawanesa may offer competitive prices.
- North Carolina: The state’s farm bureau provides some of the lowest DUI rates, but Geico may be pricier here.
- Texas: Texas Farm Bureau can be expensive for DUI drivers, so compare with Progressive or State Farm.
Check with your state’s DMV or an insurance agent to confirm requirements and find local insurers with affordable rates.
Tips to Lower Your Insurance Costs Long-Term
Beyond immediate savings, these strategies can help reduce your insurance costs over time:
- Maintain Good Credit: In most states, insurers use your credit-based insurance score to set rates. Paying bills on time and reducing debt can improve your score.
- Drive Safely: Avoid further violations to prevent additional rate hikes. A clean record after a few years can significantly lower your premiums.
- Review Your Policy Annually: As your DUI ages, insurers may offer better rates. Shop around each year to ensure you’re getting the best deal.
- Ask About Loyalty Discounts: Some insurers reward long-term customers with lower rates, even after a DUI.
Common Myths About DUI Car Insurance
Let’s clear up some misconceptions that might confuse drivers looking for affordable coverage:
- Myth: There’s a special “DUI insurance” policy.
Truth: There’s no such thing as DUI-specific insurance. You need a standard policy, but rates will be higher due to your high-risk status. - Myth: All insurers charge the same for DUIs.
Truth: Rates vary widely. Progressive might charge $3,010 annually, while smaller insurers like NJM could be as low as $1,620. - Myth: A DUI permanently ruins your insurance rates.
Truth: DUIs typically impact rates for three to five years. With a clean record, your rates can return to normal.
How to Choose the Right Insurer for You
When picking an insurer after a DUI, consider more than just price. Look at:
- Coverage Options: Ensure the policy meets your needs, whether it’s minimum liability or full coverage for a financed car.
- Customer Service: Check reviews and complaint data from sources like J.D. Power or state insurance departments.
- Availability: Confirm the insurer operates in your state and can file an SR-22 if needed.
- Discounts and Add-Ons: Look for ways to save or add useful features like roadside assistance.
Real-Life Example: Saving After a DUI
Meet Sarah, a 40-year-old driver from Florida who got a DUI last year. Her previous insurer raised her premium from $1,800 to $3,500 annually. By shopping around, she found Geico offered a full coverage policy for $2,900 per year, including an SR-22 filing. Sarah also took a defensive driving course, earning a 10% discount, and bundled her auto and renters insurance for another 15% off. In total, she saved $900 annually compared to her original insurer.
Final Thoughts on Finding Cheap DUI Car Insurance
A DUI doesn’t mean you’re stuck with sky-high insurance rates forever. By comparing quotes, taking advantage of discounts, and driving safely, you can find affordable coverage that fits your budget. Start with companies like Progressive, State Farm, or American National, and don’t forget to check regional insurers for hidden savings. With a little effort, you can get back on the road without breaking the bank.
