Cheap car insurance rates with a DUI


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Written by
Freelance Writer
Reviewed by
Licensed Auto Insurance Agent
UPDATED: 2020-05-18T18:20:06.716Z
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beer and car keys depicting a DUI

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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