Cheapest Car Insurance After a DUI (2025)

State Farm offers the cheapest car insurance after a DUI at $192 per month, followed by Travelers at $236 monthly and National General at $249. State Farm's rates are 43% cheaper than average, while GEICO charges $334 monthly, creating a $142 monthly difference or $1,704 annual savings. DUI drivers can also secure quality coverage through Progressive at $251 monthly and AIG at $295. Careful insurer selection can mean the difference between paying $2,299 or $4,012 annually for comparable coverage.

Based on our analysis, State Farm excels with the lowest premiums and an established agent network for personalized DUI guidance. Travelers offers comprehensive coverage options with accident forgiveness programs, and National General provides flexible payment plans for budget-conscious drivers. The following sections provide detailed insights for different driver profiles seeking optimal DUI coverage.

Young drivers with DUI convictions can find significant savings between providers. State Farm offers the most affordable rates at $293 monthly compared to Allstate's $518, creating $2,700 in annual savings. National General provides the second-best value at $353 monthly for budget-conscious young adults.

Middle-aged drivers benefit from the most competitive DUI rates across age groups. State Farm offers exceptional value at $133 monthly, while Travelers and Progressive both charge $144. Progressive provides transparent online DUI management tools, while Travelers offers traditional agent support with accident forgiveness programs.

Senior drivers with DUI convictions find moderate rate increases compared to younger demographics. State Farm provides the most affordable coverage at $150 monthly followed by Progressive's $186 premium. Travelers offers competitive pricing at $201 per month with enhanced customer service, while National General provides flexible payment options at $215.

USAA offers the cheapest minimum coverage for military-affiliated drivers at $522 per year, while State Farm has the lowest full coverage rate at $1,231. Some insurers also provide discounts for active-duty military, veteran and their families with a DUI. Use the table below to compare the cheapest options.

Drivers requiring SR-22 filings can find substantial savings through comparison shopping. American Family offers the most affordable SR-22 coverage at $198 monthly, followed by GEICO at $227. Despite offering the cheapest standard DUI coverage, State Farm ranks sixth at $262 monthly, demonstrating how companies specialize differently in high-risk coverage.

State Farm offers consistent affordability across multiple states, offering the cheapest option in 14 states. Regional specialists like Farm Bureau often provide superior value in their home markets like in Arkansas where Farm Bureau has the cheapest premiums at  $89 monthly which is 38% cheaper than the state average.

The average cost for full coverage after a DUI is $4,461 per year, compared to $3,283 for drivers with clean records. However, average costs vary significantly by age group and coverage level. Understanding these differences can help you anticipate your potential premium range and identify the most cost-effective coverage options.

Age significantly affects DUI insurance costs, with young drivers averaging $6,001 annually compared to adults at $2,43 which is nearly 2.5 times higher.

Premiums rang from $2,104 for minimum coverage to $5,272 for comprehensive with zero dollar deductible policies. You should find the right balance between comprehensive protection and manageable premiums based on your financial situation and risk tolerance. Review these coverage tiers to help you find the optimal balance between financial protection and affordability:

A DUI on your record can raise your car insurance premium significantly. On average, it costs $1,178 more per year than for drivers with clean records. Providers charge higher rates to offset the increased risk of accidents and claims associated with DUI convictions.

Insurance costs increase significantly after a DUI, but the exact amount depends on several factors:

• Severity of the offense: A first-time DUI typically has a lower impact than a second or third offense.
• Driving history: Past violations like speeding tickets or at-fault accidents can lead to higher premiums.
• Age and gender: Younger drivers, especially teens, often pay more due to less experience.
• Vehicle type: High-risk vehicles, such as sports or very old cars, can raise rates.
• Location: Crime rates and population density in your area also affect premiums.

The table below compares premiums for different driving records and age groups, showing how these factors impact rates.

Your insurer will learn about your DUI conviction when it accesses your DMV records or when you file an SR-22 or FR-44 form. Insurers regularly check your driving history to assess risk when you apply for or renew a policy. Your motor vehicle record (MVR) includes key details like your driving history, license status and violations, including DUIs. Filing required forms, such as an SR-22 or FR-44, ensures your insurer is informed.

Be honest about a DUI when discussing insurance options. Failing to disclose it could lead to policy termination or issues with claims.

You don’t have to stay with your current insurer if premiums increase. If your insurer’s renewal offer is too high, having alternatives can help you secure a better deal. Compare quotes from at least three providers to find affordable coverage. You can switch car insurance companies anytime during your policy term if you find a better rate.

State Farm, Travelers and Progressive offer high-risk drivers the best and cheapest insurance options. However, comparing policies from other providers can help you find the best fit. 

You can also save money by maintaining a clean driving record, completing defensive driving courses and using available discounts. While your premiums will likely be higher after a DUI, staying patient and keeping a clean record will help lower your rates over time.

Navigating auto insurance after a DUI can be tricky. Our answers to common questions about DUI insurance can help clarify the process.

Study Overview

MoneyGeek analyzed auto insurance quotes for a sample driver to identify the best and most affordable options after a DUI. Since rates differ by state, we prioritized insurers offering the lowest premiums across states. Providers were scored based on affordability, customer satisfaction, and complaints to determine the top options for drivers with a DUI conviction.

Our ranking system considers affordability, customer satisfaction, financial stability and other factors to identify the best and cheapest car insurance options at the national and state levels.

Data Sources and Depth

MoneyGeek used AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC) evaluations. We analyzed around 529,578 quotes from 67 companies across 897 ZIP codes, using data from state insurance departments and Quadrant Information Services.

Driver Profile

To find the cheapest rates after a DUI, we used the following average driver profile:

• 40-year-old male
• DUI with a blood alcohol content (BAC) of .08% or higher
• 2012 Toyota Camry LE
• 12,000 miles driven annually

We modified this profile for different scenarios, including variations in driving record, location and military status. Our sample driver profile remains consistent unless specified, with only the evaluated factor being adjusted.

Coverage Levels and Deductibles Explained

Full coverage insurance includes comprehensive and collision coverages, each requiring a deductible when filing a claim for vehicle damage, such as accidents or weather-related incidents. Once the deductible is paid, the policy covers repair or replacement costs. Minimum coverage doesn't have a deductible but covers only damage or injuries you cause to others. Full coverage offers better financial protection by covering your vehicle and liability.

For our sample driver with a DUI, we used a full coverage policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage. These limits represent:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage liability per accident

Learn more about MoneyGeek’s auto insurance methodology.