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Cheapest car insurance for drivers with a DUI

Car insurance can be hundreds of dollars more expensive per month for drivers who’ve been cited for drinking and driving, but State Farm and others often have cheap DUI insurance.

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By

Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

By

Britta M. MossBritta M. MossProperty & casualty claim consultant and expert witnessBritta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a property and casualty claim consultant, she provides consultation and expert witness services in claim handling standards, practices, and norms.  She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement.  She is a graduate of The Ohio State University. 

Updated|4 min read

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Cheapest DUI car insurance companies

It will be harder to find affordable insurance after you’ve got a DUI on your record, but it’s possible. We found that State Farm has the cheapest DUI car insurance based on average rates, and since it’s available almost everywhere, State Farm is our pick for the best DUI insurance for most drivers.

Many of the other car insurance companies with cheap DUI insurance are smaller insurers that operate only in certain regions, like NJM, MAPFRE, and Erie. USAA also has cheap DUI insurance, but it’s only available to drivers who are in the military or a part of a military family.

A bar graph showing the cheapest car insurance after a DUI. State farm is the company with the cheapest rates.

Is DUI insurance different from a regular car insurance policy?

DUI insurance isn’t actually a different type of car insurance. Instead, DUI insurance is just more expensive, since the driver is considered riskier to insure than someone with a clean record.

Methodology: Why you can trust our picks for the best DUI insurance

Policygenius found the companies for DUI insurance by analyzing insurance rates from Quadrant Information Services for every ZIP code in the country. Our sample policy was for a driver with one DUI on their record and these coverage limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $50,000
  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

We found the cost of coverage by ZIP code for single 30-year-old drivers who drive a 2017 Toyota Camry LE driven 10,000 miles a year.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

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Best cheap DUI car insurance for different drivers

While State Farm has the cheapest average rates for car insurance after a DUI, you should still compare quotes before buying. You may be able to find cheap DUI insurance from a few different companies depending on your location and driving history.

State Farm Logo

Cheapest for most

  • Rating: 3.8/5 ★

  • Cost of DUI insurance: $132 per month

  • Number of complaints: Low

NJM insurance logo

Cheapest local insurer

  • Rating: 3.9/5 ★

  • Cost of DUI insurance: $135 per month

  • Number of complaints: Very low

National General insurance logo

Cheapest non-standard

  • Rating: 3.9/5 ★

  • Cost of DUI insurance: $264 per month

  • Number of complaints: High

Cheap DUI insurance for most people: State Farm

State Farm

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

State Farm logo

Average cost

$132 per month

State Farm is our pick for cheap DUI insurance for most people. We found that the cost of insurance after a DUI is much cheaper than average at State Farm. Plus, State Farm offers coverage almost everywhere.

  • Annual cost: $1,588 per year

  • Number of complaints: Lower than average

Read our full State Farm car insurance review

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State Farm has the cheapest car insurance for drivers with a DUI on their records. The average cost of DUI insurance from State Farm is $132 per month, which is $1,529 cheaper per year than average.

We picked State Farm as the best cheap DUI insurance company overall in part because of its availability. State Farm offers car insurance in every state except Massachusetts and Rhode Island. Many other companies with cheap DUI insurance are regional.

Besides being the best company for DUI insurance, State Farm also has a reputation for reliable customer service. It receives one-third fewer complaints than average, according to the National Association of Insurance Commissioners.

Company

Average monthly cost after a DUI

Average annual cost after a DUI

State Farm

$132

$1,588

USAA*

$176

$2,110

Travelers

$177

$2,122

American Family

$179

$2,149

Progressive

$193

$2,318

Cost of DUI insurance from State Farm vs. other large companies

Cheapest DUI insurance from a regional company: NJM

NJM

3.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

NJM logo

Average cost

$135 per month

NJM is one of the cheapest companies for DUI insurance, but it’s only available in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. If you live in one of these states, NJM’s service and low rates are hard to beat.

  • Annual cost: $1,620 per year

  • Number of complaints: Much lower than average

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Our analysis shows that NJM has cheaper DUI insurance than other regional companies. The average cost of DUI car insurance from NJM is $135 per month, or ​​$1,497 less than the national average.

If you live in any of the states where NJM offers auto insurance (Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania), you could get cheap DUI insurance and top-rated customer service.

Company

Average monthly cost after a DUI

Average annual cost after a DUI

NJM

$135

$1,620

MAPFRE

$171

$2,047

Erie

$174

$2,082

Farm Bureau

$180

$2,156

COUNTRY Financial

$196

$2,355

Cost of DUI insurance from NJM vs. other regional companies

Cheapest non-standard DUI insurance: National General

National General

3.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

National General logo

Average cost

$264 per month

National General has cheap DUI insurance for drivers who have to resort to a non-standard company to get covered. Backed by Allstate, National General has far cheaper rates than other non-standard carriers, though its customer service is rated poorly.

  • Annual cost: $3,162 per year

  • Number of complaints: Much higher than average

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We found that National General has the cheapest car insurance of any company known for covering high-risk drivers. DUI insurance from National General costs an average of $264 per month, higher than average but cheaper than competitors.

National General is our pick for the best non-standard company for DUI insurance in part because it’s owned by Allstate. That means someone who has trouble getting covered after a DUI can still get affordable insurance from a company backed by a larger carrier.

Company

Average monthly cost after a DUI

Average annual cost after a DUI

National General (owned by Allstate)

$264

$3,162

Kemper

$311

$3,734

SafeAuto

$385

$4,621

State Auto

$411

$4,930

UAIC

$456

$5,477

Cost of DUI insurance from NJM vs. other non-standard companies

Cheapest DUI car insurance rates by state

The average cost of car insurance with a DUI is $260 per month. That’s $1,479 more per year than the average cost of car insurance for drivers with a clean record, but it’s possible to find cheaper car insurance.

We found that State Farm has the cheapest DUI insurance in most states, but drivers may also find cheap coverage from GEICO, Progressive, or American National depending on their state.

State

Cheapest company after a DUI

Average monthly cost

Alabama

State Farm

$116

Alaska

State Farm

$89

Arizona

State Farm

$109

Arkansas

State Farm

$88

California

Wawanesa

$146

Colorado

American National

$109

Connecticut

State Farm

$107

Delaware

State Farm

$107

District of Columbia

State Farm

$134

Florida

State Farm

$146

Georgia

State Farm

$123

Hawaii

State Farm

$89

Idaho

State Farm

$52

Illinois

State Farm

$87

Indiana

State Farm

$84

Iowa

State Farm

$64

Kansas

State Farm

$99

Kentucky

State Farm

$170

Louisiana

State Farm

$149

Maine

State Farm

$68

Maryland

GEICO

$99

Massachusetts

GEICO

$152

Michigan

Progressive

$151

Minnesota

State Farm

$88

Mississippi

State Farm

$98

Missouri

State Farm

$100

Montana

State Farm

$92

Nebraska

State Farm

$138

Nevada

State Farm

$106

New Hampshire

USAA

$98

New Jersey

NJM

$135

New Mexico

State Farm

$86

New York

Progressive

$99

North Carolina

National General (Allstate)

$236

North Dakota

State Farm

$84

Ohio

State Farm

$67

Oklahoma

State Farm

$93

Oregon

State Farm

$77

Pennsylvania

State Farm

$88

Rhode Island

State Farm

$80

South Carolina

American National

$89

South Dakota

State Farm

$100

Tennessee

State Farm

$78

Texas

Redpoint

$113

Utah

State Farm

$112

Vermont

State Farm

$58

Virginia

State Farm

$77

Washington

State Farm

$103

West Virginia

State Farm

$92

Wisconsin

State Farm

$75

Wyoming

State Farm

$112

Collapse table

Average monthly cost of DUI insurance for a full-coverage policy

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How does a DUI affect your car insurance?

Your car insurance will get more expensive after a DUI. On average, DUI insurance is $123 more expensive per month than a policy for someone with a clean record. But a higher rate isn't the only way having a DUI affects your insurance.

It can also be harder to get insured if you have a DUI on your record. If companies decline to cover you after a DUI, you may have to settle for getting insurance from a non-standard carrier (which often have lower customer satisfaction scores) or from your state’s high-risk insurance pool.

Depending on your state, a DUI may also mean you have to file an SR-22 through your insurer. An SR-22 (or an FR-44 form) is a document states often require as proof a high-risk driver has insurance. 

Having to get an SR-22 because of a DUI may limit the number of companies that will cover you, making it even more important to shop around to find coverage.

How long do insurance rates stay high after DUI?

Car insurance rates will be higher than average for three to five years after a DUI or DWI conviction, but that depends on your insurance company (and your driving). Insurance companies often keep your rates high while you need an SR-22 or FR-44, which may be for several years, depending on the state.

Your own driving record also affects how long your insurance rates will stay high after a DUI. If you avoid accidents, tickets, and another DUI, your rates should return to average as time passes. But if you rack up more driving violations, your insurance will stay higher for longer.

How to shop for car insurance after a DUI

There are a handful of steps that drivers should be sure to take as they shop for insurance after a DUI. It will be easier to get DUI insurance at an affordable price if you:

  1. Be upfront about your driving record You should be honest about your record and let carriers know about your DUI or if you’ll need them to file an SR-22 for you. This way, you can be sure you’re finding companies that will actually cover you.

  2. Consider standard and non-standard companies It can be hard to get insured after a DUI. You can give yourself the best chance of getting covered by shopping around from companies that specialize in offering DUI insurance.

  3. Try to bundle insurance with one company This is a great strategy for State Farm and other large companies that have both auto and homeowners, renters, or condo insurance. Most offer discounts for bundling these policies together.

  4. Research companies before buying Since there’s a chance you’ll get DUI insurance quotes from companies you’re not familiar with, make sure to check that these companies are legitimate, financially stable, and have a decent customer service reputation.

  5. Make sure you have the right insurance for your car DUIs make your insurance more expensive, but you could offset some of the increased costs by dropping some coverage on an older car you own outright.

  6. Don’t hesitate to re-shop your policy Drivers who have had a DUI should shop around for cheaper rates when it’s time to renew their policies. If you find a better deal, switch carriers to keep your DUI insurance affordable.

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We don't sell your information to third parties.

Frequently asked questions

Where can you get cheap DUI car insurance?

On average, we found that State Farm has the cheapest costs of car insurance after a DUI. Many of the other cheapest companies were smaller companies that operate regionally, like NJM, MAPFRE, and Erie.

Can your insurance company cancel your policy after a DUI?

Yes, insurance companies can decide not to renew your policy after any claim or violation after you receive a DUI.

What happens if you get a DUI but don't own a car?

If you were pulled over for drinking and driving in a car that's not yours, you may still need DUI insurance. But if you don’t own a car, you'd have to get a non-owner car insurance policy. Non-owners insurance is cheaper than a regular policy since it’s a very limited kind of protection.

How do insurance companies find out about DUIs?

Companies check your driving record when you buy car insurance. This tells companies about your past accidents, violations, tickets, claims, and DUIs. You may also have to disclose your past DUIs if a company asks while you’re shopping for coverage.

Authors

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

Expert reviewer

Britta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a property and casualty claim consultant, she provides consultation and expert witness services in claim handling standards, practices, and norms.  She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement.  She is a graduate of The Ohio State University. 

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