Getting Car Insurance After a DUI in Alabama: Everything You Need to Know

In addition to having your license temporarily suspended, you can expect your car insurance rates to increase significantly after a DUI conviction. In Alabama, a full coverage policy for a driver with a clean record costs an average of $1,171 per year. After a DUI violation, rates increase by an average of 70%, which means DUI offenders will pay around $1,993 per year for the same coverage.

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Last Updated: 9/21/2022
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Drivers looking for the cheapest Alabama car insurance after a DUI should consider Allstate. The company provides the cheapest average rates for both full coverage and the state’s minimum coverage level. However, balancing cost and quality service, the best car insurance provider for DUI offenders seeking either full coverage or minimum coverage in Alabama is State Farm.

iconribbonTop CompaniesAuto InsuranceAfter a DUI2022

Regardless of which state you’re in, car insurance providers can legally deny coverage for DUI offenders. This is true for insurance providers in Alabama. Insurers that agree to give you coverage will usually increase your car insurance premiums after a DUI conviction.

DUI offenders in Alabama should expect to pay around 70.18% more than the average driver. This increase is due to the probability of DUI offenders filing more claims, based on past records.

Alabama DUI laws revoke the driver’s license and driving privileges after a DUI offense. Drivers are required to install ignition interlocks in their vehicles and pay increased penalties after repeat offenses.

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Cheapest Car Insurance Companies in Alabama After a DUI

Nationally, the cheapest car insurance providers after a DUI are Progressive and State Farm. In Alabama, the cheapest option is Allstate, followed by State Farm.

Cheapest Companies for Full Coverage in Alabama After a DUI

Drivers in Alabama looking for the cheapest full coverage policies should look into the following car insurance providers for drivers with a DUI:

  • Allstate: $1,150 per year
  • State Farm: $1,345 per year

Policies from USAA cost an average of $1,290 per year for drivers with a DUI on their record. It is the second cheapest post-DUI car insurance in Alabama, but it is exclusive to military members and their families.

Cheapest Car Insurance for Full Coverage After a DUI

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  • Rank
    Company
    Annual Premium
  • 1
    Allstate
    $1,150.00
  • 2
    USAA
    $1,290.00
  • 3
    State Farm
    $1,345.00
  • 4
    Country Financial
    $1,591.00
  • 5
    Farmers
    $1,639.00

Cheapest Companies for Minimum Coverage in Alabama After a DUI

If you only require minimum coverage, the following insurance companies have the cheapest policies after a DUI in Alabama:

  • Allstate: $659 per year
  • State Farm: $664 per year

USAA offers the cheapest minimum car insurance for drivers with a DUI at an average of $574 per year, but its policies are only available to military members and their families.

Cheapest Car Insurance for Minimum Coverage After a DUI

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Each state has a certain coverage requirement that drivers must meet in order to legally drive. Although a state minimum coverage is the cheapest option, it is usually not enough to cover major damages. Determining how much car insurance you need ensures that you are fully

Top Car Insurance Companies in Alabama After a DUI

MoneyGeek identified the top car insurance companies in Alabama after a DUI by looking at a combination of affordability, customer satisfaction, financial stability, and more. In Alabama, State Farm offers the best car insurance coverage for someone with a DUI for both full and state minimum coverages.

Best Companies for Full Coverage in Alabama After a DUI

The best car insurance companies for a full coverage policy after a DUI in Alabama are State Farm and GEICO. MoneyGeek reviews both companies in the table below.


1
State FarmBest full coverage after a DUI
Score:4

5/5

Affordability

4/5

Financial Stability

5/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

A full coverage policy from State Farm for a driver with a clean record costs $1,235 per year on average. This increases by 8.95% for DUI offenders, paying an average of $1,345 per year.

More About State Farm

Available in all 50 states, State Farm offers affordable policies and is considered a top-rated car insurance provider with the largest market share across the country.

2
GEICO
Score:4

4/5

Affordability

5/5

Financial Stability

4/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

GEICO’s full coverage policies cost $827 per year on average. Having a DUI violation on your record more than doubles this rate to around $1,730 per year.

More About GEICO

GEICO is another top-rated insurance provider which offers policies across all 50 states. GEICO offers various unique discounts to its policyholders.

Best Companies for Minimum Coverage in Alabama After a DUI

Offering the best rates for minimum coverage, the top car insurance companies in Alabama after a DUI conviction are State Farm and GEICO. Although minimum policies are the cheapest in the state, they often do not provide enough coverage for most drivers.


1
State FarmBest minimum coverage after a DUI
Score:4

4/5

Stability

5/5

Satisfaction

4/5

Claims

5/5

Affordability

Geek Quick Take
Geek Quick Take

Drivers with a DUI on record will pay around $664 per year for a minimum coverage policy. That is about 10% more than the rates for the average driver at about $604 per year.

More About State Farm

State Farm offers its policies across 50 states. Recording high financial stability ratings means State Farm is one of the best options available.

2
GEICO
Score:4

5/5

Stability

4/5

Satisfaction

4/5

Claims

4/5

Affordability

Geek Quick Take
Geek Quick Take

Without a DUI record, a minimum coverage policy from GEICO costs an average of $375 per year. Rates more than double for DUI offenders, who will pay around $805 per year.

More About GEICO

GEICO, which is available in all 50 states, is known for offering some of the cheapest policies for many types of drivers.

How Much Does Car Insurance Cost in Alabama After a DUI?

A full coverage policy in Alabama for drivers with a clean record costs an average of $1,171 per year. After a DUI violation, rates increase by about 70.18%, which means DUI offenders will pay around $1,993 per year for the same coverage. Rates for DUI drivers are generally higher due to the risk they pose on the road. Risky drivers tend to file more claims than the typical driver.

Below is a comparison of full coverage car insurance before and after a DUI in Alabama.

How long does a DUI affect the cost of your car insurance?

wallet
Average Cost

Full Coverage

$1,171
insurance2
Average Cost with DUI

Full Coverage

$1,993
Full coverage policy premiums after a DUI cost:$822 more

This is 70% more expensive.

Car insurance premiums will generally increase after a DUI. MoneyGeek’s car insurance calculator makes use of personal details, such as age, driving record, vehicle information and preferred coverage. You can use our tool below to get an estimate of your car insurance cost.

Auto Insurance Calculator

State

Alabama

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$319

2.

GEICO

$441

4.

Allstate

$541

5.

Travelers

$562

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Aside from higher insurance costs, a DUI conviction has significant financial consequences. The following are some examples:

  • Fines, court fees, and attorney fees: Expect to pay various court fees after a DUI conviction in Alabama.
  • Towing and impound fee: Arrested drivers will often have their cars towed. This means having to pay additional charges after your vehicle is impounded.
  • Drug education and treatment: If you’ve been arrested for a DUI in Alabama, the court system will require you to undergo a substance abuse treatment program, which also requires fees.
  • DMV reinstatement fee: Following the loss of your driving privileges, you will need to reinstate your license, which involves paying suspended license fees.
  • Other damages: In an accident where you are at fault, especially in a tort state like Alabama, you are liable to pay for the other driver’s bills as a result of the collision.

Getting Car Insurance in Alabama After a DUI

Obtaining car insurance after a DUI might be difficult considering insurance providers are legally allowed to refuse coverage. Car insurance providers that do offer policies to drivers with a DUI will sell them at higher rates. This is why comparing quotes is an important step when buying a policy. Taking a look at various options can help you get the rates that best match your profile and needs.

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Drivers in Alabama with DUI convictions are required to file an SR-22 if they wish to get their license reinstated. An SR-22 form signifies that the driver has a policy that meets the minimum required coverage in the state.

Alabama DUI Laws

Loss of driving privileges and court-ordered punishments like jail time are just some of the consequences drivers face under DUI laws. The first offense in Alabama receives the least severe DUI penalties. However, repeated DUI offenses within the look-back period mean more jail time and larger potential fees.

  • This is an icon

    Driving with a BAC at or above 0.08 is considered a DUI

    In Alabama and most other states, a blood-alcohol level of 0.08 is enough to book you for a DUI. Even if your BAC is below 0.08, you can still be arrested if your driving seems impaired.

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    Driving with a BAC of 0.15 will result in increased penalties

    First-time DUI offenders with a blood-alcohol level of 0.15 or higher will have their license suspended for 90 days, have an ignition interlock installed on their car for two years, and pay a penalty double the amount of those that are under the 0.15 threshold.

  • This is an icon

    90-day administrative license suspension on first offense

    Under Alabama law, your driving privileges will be temporarily suspended when you commit a driving-related offense. The revocation period is 90 days for the first DUI offense and longer for subsequent offenses.

  • This is an icon

    Ignition interlocks are mandatory for repeat and high-BAC DUI convictions

    In Alabama, DUI offenders with either a high BAC or a previous DUI conviction are required to install an ignition interlock in their vehicles, which disables the engine when it detects alcohol in the driver’s breath.

  • This is an icon

    Open container laws

    An open container violation is considered a Class D misdemeanor in Alabama. While it does not mandate any jail time, drivers who violate this law will be charged a fee of at least $25.

  • This is an icon

    Repeat offender laws

    Habitual offenders are subject to longer jail time and higher fees. Repeat offenders may also have their licenses revoked for five years or longer.

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Frequently Asked Questions

Obtaining car insurance after a DUI violation is a lot more complicated than getting a policy with a clean record. To help drivers with similar cases, MoneyGeek answered frequently asked questions about car insurance after a DUI in Alabama.

Methodology

To determine the top companies for individuals with DUIs in Alabama, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims, and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12,000 annual mileage.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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