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If you’re caught driving under the influence and get charged with a DUI, it’s likely that your car insurance company will raise your rates significantly. There are some car insurance companies that offer better rates after a DUI, but it may be in your best interest to shop around to find the cheapest and best company that fits your needs.
How much does a DUI affect your car insurance rates?
A DUI charge will more than likely increase your rates, but the severity of the increase will vary by person and by company. Based on rate data we examined for the 10 largest car insurance companies in the country, auto insurance rates increase by $1,214 after a DUI, on average.
In the table below, we’ve listed the average car insurance rates for a driver without a DUI and the same type of driver with a DUI in the past three years. Note: Your rate increase and your rates will depend on your unique driving profile, including the state you live in. The rates below are an average for a specific driver profile, which is outlined below.
Rate increase after a DUI
| Company | Rates with clean record | Rates with DUI | $ increase |
|---|---|---|---|
| Allstate | $1,388 | $2,464 | $1,076 |
| American Family | $1,133 | $1,328 | $781 |
| Geico | $930 | $2,259 | $1,329 |
| Farmers Insurance | $1,220 | $1,868 | $648 |
| Nationwide | $1,130 | $2,316 | $1,186 |
| Progressive | $1,195 | $1,541 | $346 |
| State Farm | $1,199 | $1,994 | $795 |
| Travelers | $1,212 | $2,440 | $1,228 |
| USAA* | $1,058 | $1,851 | $793 |
*USAA is only available to active and former military members and their families.
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. One driver had 0 accidents or DUI’s within the past three years and the other driver had 1 DUI in the past 3 years. Both drivers had a good credit score. The rates displayed should only be used for comparative purposes as individual rates will differ. Rate data is provided by Quadrant Information Services.
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How long does a DUI affect your rates?
In most cases, a DUI charge will typically stay on your car insurance record between three to five years, depending on the severity of your offense, your insurance company and the state you live in. The reason your rate increases so drastically is because you’re considered a high-risk driver. In the table below, we’ve listed the average car insurance rates per state before and after a DUI charge.
Average rates by state before a DUI and with a DUI
| State | Rates before DUI | Rates after DUI | Rate Increase |
|---|---|---|---|
| Alaska | $1,146 | $1,795 | $649 |
| Alabama | $1,093 | $2,005 | $912 |
| Arkansas | $1,116 | $1,977 | $861 |
| Arizona | $1,085 | $2,859 | $1,774 |
| California | $1,388 | $3,379 | $1,991 |
| Colorado | $1,244 | $2,110 | $866 |
| Connecticut | $1,265 | $2,469 | $1,204 |
| Washington, D.C. | $1,474 | $2,309 | $835 |
| Delaware | $1,382 | $2,919 | $1,537 |
| Florida | $1,744 | $2,909 | $1,165 |
| Georgia | $1,386 | $2,523 | $1,137 |
| Hawaii | $982 | $2,916 | $1,934 |
| Iowa | $766 | $1,319 | $553 |
| Idaho | $819 | $1,431 | $612 |
| Illinois | $1,021 | $1,801 | $780 |
| Indiana | $942 | $1,628 | $686 |
| Kansas | $1,230 | $1,843 | $613 |
| Kentucky | $1,518 | $2,589 | $1,071 |
| Louisiana | $1,747 | $2,833 | $1,086 |
| Massachusetts | $1,222 | $2,089 | $867 |
| Maryland | $1,415 | $2,454 | $1,039 |
| Maine | $787 | $1,367 | $580 |
| Michigan | $2,350 | $7,370 | $5,020 |
| Minnesota | $1,373 | $2,599 | $1,226 |
| Missouri | $1,071 | $1,658 | $587 |
| Mississippi | $1,164 | $2,077 | $913 |
| Montana | $1,070 | $1,839 | $769 |
| North Carolina | $811 | $4,044 | $3,233 |
| North Dakota | $1,010 | $1,809 | $799 |
| Nebraska | $962 | $1,570 | $608 |
| New Hampshire | $899 | $1,471 | $572 |
| New Jersey | $1,767 | $3,254 | $1,487 |
| New Mexico | $914 | $1,600 | $686 |
| Nevada | $1,169 | $2,270 | $1,101 |
| New York | $1,721 | $2,843 | $1,122 |
| Ohio | $860 | $1,353 | $493 |
| Oklahoma | $1,251 | $1,875 | $624 |
| Oregon | $1,040 | $1,705 | $665 |
| Pennsylvania | $1,012 | $1,600 | $588 |
| Rhode Island | $1,277 | $2,286 | $1,009 |
| South Carolina | $1,163 | $1,950 | $787 |
| South Dakota | $1,050 | $1,673 | $623 |
| Tennessee | $937 | $1,755 | $818 |
| Texas | $1,289 | $1,855 | $566 |
| Utah | $996 | $1,722 | $726 |
| Virginia | $854 | $1,409 | $555 |
| Vermont | $859 | $1,470 | $611 |
| Washington | $902 | $1,764 | $862 |
| Wisconsin | $880 | $1,295 | $415 |
| West Virginia | $1,193 | $2,161 | $968 |
| Wyoming | $1,091 | $2,021 | $930 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. One driver had 0 accidents or DUI’s within the past three years and the other driver had 1 DUI in the past 3 years. Both drivers had a good credit score. The rates displayed should only be used for comparative purposes as individual rates will differ. Rate data is provided by Quadrant Information Services.
SR-22 Insurance
On top of getting a DUI, there’s the possibility that your license may be suspended or revoked. In many states in order to get your license back, you need to file an SR-22 form with your insurance company. This proves to the state that you’re financially stable and responsible before you can begin driving again. The only way to get an SR-22 is through an insurance company. Once SR-22 insurance is obtained, you can renew your license at the DMV.
How to get cheaper insurance with a DUI
Your previous car insurance company that may have been the cheapest option before your DUI might not be the cheapest after the DUI. The best way to find the cheapest insurance with a DUI is to compare companies and find the best option that suits your needs.
Many different factors, such as the state you live in and the severity of your offense, determine your insurance rates after a DUI.
- Average cost of insurance with a DUI - $2,483
- Average increase in percentage - 49%
- Average increase in money - $1,214
To help compare your options and find the best option, see which companies other drivers recommend on this list of the best SR-22 car insurance companies.
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The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.