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Getting convicted of driving under the influence (DUI) of alcohol or drugs usually leads to higher insurance rates. The same is true if you get a driving while intoxicated (DWI) or operating while intoxicated (OWI) violation. However, by comparing rates from different companies, you can find a cheap DUI, DWI or OWI insurance provider for your needs. While DUIs, DWIs and OWIs are not the same, this guide will simply refer to DUIs as our findings may apply to all three impaired driving violations (depending on which a state imposes).

MoneyGeek found that State Farm offers the best and cheapest DUI insurance for both minimum and full coverage policies.

MoneyGeek Logo IconCheapestAfter a DUICar Insurance
2023

Car Insurance After a DUI (2023)

Cheapest Car Insurance After a DUI

State Farm offers both the most affordable minimum and full coverage car insurance after a DUI:

  • Minimum coverage: State Farm ($767 per year)
  • Full coverage: State Farm ($1,231 per year)

On average, the full coverage policy State Farm offers is significantly cheaper than the average premiums after a DUI.

Finding cheap DUI insurance is essential to ensure you’re complying with your state’s regulations without breaking the bank. Rates can vary depending on your location and other factors; use the table below as a starting point to find the cheapest car insurance companies and their rates for drivers with a DUI.

Company
Annual Premium
Monthly Premium

State Farm

$572

$48

State Farm

$614

$51

Progressive

$644

$54

Progressive

$695

$58

State Farm

$716

$60

Progressive

$726

$60

State Farm

$731

$61

State Farm

$767

$64

Farmers

$791

$66

Travelers

$795

$66

Travelers

$821

$68

Farmers

$858

$71

Progressive

$858

$71

State Farm

$861

$72

State Farm

$861

$72

Travelers

$874

$73

Allstate

$903

$75

Farmers

$912

$76

State Farm

$912

$76

State Farm

$921

$77

State Farm

$921

$77

Progressive

$930

$78

Nationwide

$936

$78

Allstate

$944

$79

State Farm

$957

$80

Nationwide

$958

$80

Allstate

$963

$80

Progressive

$973

$81

State Farm

$1,003

$84

Travelers

$1,005

$84

Progressive

$1,009

$84

Progressive

$1,009

$84

Farmers

$1,011

$84

Nationwide

$1,011

$84

Nationwide

$1,033

$86

State Farm

$1,038

$86

Travelers

$1,044

$87

State Farm

$1,059

$88

State Farm

$1,083

$90

State Farm

$1,092

$91

State Farm

$1,092

$91

Progressive

$1,094

$91

Progressive

$1,094

$91

State Farm

$1,095

$91

Travelers

$1,103

$92

Farmers

$1,104

$92

Allstate

$1,106

$92

GEICO

$1,116

$93

Nationwide

$1,126

$94

State Farm

$1,129

$94

Progressive

$1,144

$95

Progressive

$1,144

$95

State Farm

$1,161

$97

Allstate

$1,162

$97

State Farm

$1,174

$98

Farmers

$1,174

$98

Allstate

$1,179

$98

State Farm

$1,185

$99

GEICO

$1,186

$99

GEICO

$1,190

$99

Progressive

$1,194

$100

State Farm

$1,199

$100

Nationwide

$1,204

$100

Nationwide

$1,204

$100

Farmers

$1,216

$101

Farmers

$1,216

$101

Travelers

$1,228

$102

Travelers

$1,228

$102

Nationwide

$1,229

$102

Nationwide

$1,229

$102

State Farm

$1,231

$103

Nationwide

$1,235

$103

Progressive

$1,236

$103

State Farm

$1,246

$104

Progressive

$1,253

$104

Allstate

$1,264

$105

Allstate

$1,264

$105

State Farm

$1,269

$106

Travelers

$1,274

$106

Travelers

$1,274

$106

Progressive

$1,290

$108

State Farm

$1,297

$108

State Farm

$1,297

$108

State Farm

$1,301

$108

Allstate

$1,332

$111

Allstate

$1,332

$111

Farmers

$1,335

$111

Farmers

$1,335

$111

Travelers

$1,344

$112

Travelers

$1,344

$112

Allstate

$1,347

$112

Allstate

$1,347

$112

State Farm

$1,350

$113

State Farm

$1,355

$113

Progressive

$1,389

$116

Progressive

$1,391

$116

Farmers

$1,393

$116

Progressive

$1,398

$117

Farmers

$1,405

$117

Farmers

$1,411

$118

Farmers

$1,411

$118

State Farm

$1,420

$118

Progressive

$1,426

$119

State Farm

$1,433

$119

State Farm

$1,437

$120

Farmers

$1,448

$121

Progressive

$1,448

$121

Allstate

$1,450

$121

Farmers

$1,451

$121

Progressive

$1,451

$121

Allstate

$1,458

$122

Nationwide

$1,472

$123

Nationwide

$1,472

$123

Progressive

$1,473

$123

Travelers

$1,481

$123

Progressive

$1,506

$125

Allstate

$1,511

$126

Allstate

$1,514

$126

State Farm

$1,514

$126

Progressive

$1,517

$126

Travelers

$1,524

$127

Travelers

$1,536

$128

GEICO

$1,540

$128

Travelers

$1,575

$131

Farmers

$1,576

$131

Progressive

$1,576

$131

State Farm

$1,583

$132

Farmers

$1,590

$132

Progressive

$1,591

$133

Progressive

$1,593

$133

Farmers

$1,598

$133

Travelers

$1,598

$133

State Farm

$1,601

$133

Farmers

$1,601

$133

Allstate

$1,605

$134

Progressive

$1,622

$135

Farmers

$1,632

$136

Allstate

$1,634

$136

GEICO

$1,635

$136

Nationwide

$1,641

$137

Progressive

$1,642

$137

Progressive

$1,645

$137

Travelers

$1,654

$138

Farmers

$1,656

$138

GEICO

$1,657

$138

Farmers

$1,658

$138

Allstate

$1,659

$138

Progressive

$1,660

$138

Allstate

$1,663

$139

State Farm

$1,664

$139

Travelers

$1,667

$139

Allstate

$1,672

$139

Travelers

$1,674

$139

Farmers

$1,675

$140

Travelers

$1,686

$140

Allstate

$1,687

$141

Allstate

$1,695

$141

Progressive

$1,704

$142

Nationwide

$1,708

$142

Nationwide

$1,712

$143

Allstate

$1,714

$143

Progressive

$1,721

$143

Travelers

$1,729

$144

Travelers

$1,737

$145

Nationwide

$1,738

$145

State Farm

$1,751

$146

Allstate

$1,764

$147

Progressive

$1,773

$148

Nationwide

$1,779

$148

Progressive

$1,781

$148

Farmers

$1,782

$149

Travelers

$1,788

$149

Allstate

$1,799

$150

GEICO

$1,803

$150

GEICO

$1,803

$150

Travelers

$1,804

$150

Farmers

$1,804

$150

Allstate

$1,804

$150

Travelers

$1,805

$150

Nationwide

$1,805

$150

Farmers

$1,806

$151

Nationwide

$1,820

$152

Allstate

$1,825

$152

Farmers

$1,830

$153

Farmers

$1,836

$153

Farmers

$1,837

$153

Farmers

$1,840

$153

Travelers

$1,847

$154

Allstate

$1,855

$155

Progressive

$1,856

$155

Allstate

$1,857

$155

Allstate

$1,863

$155

Travelers

$1,867

$156

Travelers

$1,872

$156

Nationwide

$1,878

$156

Farmers

$1,879

$157

Allstate

$1,885

$157

Allstate

$1,885

$157

Nationwide

$1,888

$157

Progressive

$1,891

$158

Travelers

$1,898

$158

Farmers

$1,905

$159

GEICO

$1,909

$159

GEICO

$1,909

$159

Travelers

$1,922

$160

Allstate

$1,944

$162

GEICO

$1,946

$162

GEICO

$1,946

$162

Nationwide

$1,949

$162

Travelers

$1,949

$162

Nationwide

$1,979

$165

Allstate

$1,986

$166

Farmers

$1,991

$166

Travelers

$2,000

$167

Allstate

$2,004

$167

Travelers

$2,004

$167

GEICO

$2,004

$167

Farmers

$2,007

$167

Travelers

$2,010

$168

Nationwide

$2,018

$168

Allstate

$2,026

$169

Nationwide

$2,032

$169

Travelers

$2,040

$170

Progressive

$2,043

$170

GEICO

$2,052

$171

Farmers

$2,056

$171

GEICO

$2,060

$172

Nationwide

$2,062

$172

Travelers

$2,073

$173

Farmers

$2,077

$173

Allstate

$2,084

$174

Nationwide

$2,099

$175

GEICO

$2,104

$175

Travelers

$2,111

$176

Nationwide

$2,117

$176

Nationwide

$2,119

$177

Farmers

$2,124

$177

GEICO

$2,167

$181

Nationwide

$2,185

$182

Travelers

$2,211

$184

Nationwide

$2,218

$185

Allstate

$2,224

$185

GEICO

$2,235

$186

Nationwide

$2,253

$188

Nationwide

$2,269

$189

GEICO

$2,286

$191

Farmers

$2,296

$191

GEICO

$2,319

$193

Nationwide

$2,333

$194

GEICO

$2,408

$201

Nationwide

$2,427

$202

Nationwide

$2,432

$203

GEICO

$2,464

$205

GEICO

$2,492

$208

GEICO

$2,499

$208

Nationwide

$2,513

$209

GEICO

$2,551

$213

GEICO

$2,598

$217

Nationwide

$2,614

$218

GEICO

$2,654

$221

GEICO

$2,665

$222

GEICO

$2,690

$224

GEICO

$2,710

$226

GEICO

$2,766

$230

GEICO

$2,769

$231

GEICO

$2,821

$235

Nationwide

$2,828

$236

GEICO

$2,856

$238

GEICO

$2,923

$244

GEICO

$2,923

$244

GEICO

$2,935

$245

GEICO

$3,036

$253

GEICO

$3,180

$265

carInsurance icon
SHOULD YOU GET LIABILITY OR FULL COVERAGE AFTER A DUI?

Liability-only coverage grants you access to an affordable policy that meets state minimum liability requirements. However, keep in mind that, among insurance companies that will insure you, you may pay almost twice as much as a driver with a clean record.

The DMV doesn't require drivers with records to get full coverage insurance, but you may need to sign up for SR-22 insurance or FR-44 insurance.

Cheapest Car Insurance After a DUI by State

The cheapest DUI insurance provider can vary by location, as state laws and regulations, risk factors, population density, weather patterns and competition among insurance providers all play a role in how insurers determine premiums.

Get an overview of the cheapest DUI insurance providers by state and at different age ranges using the table below.

State
Cheapest Company
Annual Premium
Monthly Premium

Alabama

Allstate

$1,131

$94

Alabama

State Farm

$500

$42

Alabama

State Farm

$953

$79

Alabama

State Farm

$410

$34

Alabama

State Farm

$872

$73

Alabama

State Farm

$386

$32

Alaska

State Farm

$936

$78

Alaska

State Farm

$403

$34

Alaska

State Farm

$789

$66

Alaska

State Farm

$368

$31

Alaska

State Farm

$727

$61

Alaska

State Farm

$343

$29

Arizona

Root Insurance Company

$756

$63

Arizona

Travelers

$455

$38

Arizona

Root Insurance Company

$754

$63

Arizona

Travelers

$430

$36

Arizona

Root Insurance Company

$806

$67

Arizona

State Farm

$456

$38

Arkansas

State Farm

$894

$74

Arkansas

State Farm

$324

$27

Arkansas

State Farm

$699

$58

Arkansas

State Farm

$266

$22

Arkansas

State Farm

$633

$53

Arkansas

State Farm

$251

$21

California

National General

$1,559

$130

California

National General

$998

$83

California

National General

$1,280

$107

California

Mercury

$796

$66

California

National General

$1,301

$108

California

Mercury

$818

$68

Colorado

American National P&C

$1,011

$84

Colorado

American National P&C

$423

$35

Colorado

American National P&C

$806

$67

Colorado

American National P&C

$353

$29

Colorado

American National P&C

$821

$68

Colorado

American National P&C

$405

$34

Connecticut

State Farm

$1,272

$106

Connecticut

State Farm

$624

$52

Connecticut

State Farm

$1,031

$86

Connecticut

State Farm

$525

$44

Connecticut

State Farm

$968

$81

Connecticut

State Farm

$499

$42

Delaware

State Farm

$1,300

$108

Delaware

State Farm

$747

$62

Delaware

State Farm

$1,033

$86

Delaware

State Farm

$613

$51

Delaware

State Farm

$959

$80

Delaware

State Farm

$577

$48

District of Columbia

Progressive

$1,422

$119

District of Columbia

State Farm

$713

$59

District of Columbia

Progressive

$1,206

$101

District of Columbia

State Farm

$600

$50

District of Columbia

State Farm

$1,150

$96

District of Columbia

State Farm

$569

$47

Florida

State Farm

$1,420

$118

Florida

State Farm

$660

$55

Florida

State Farm

$1,190

$99

Florida

State Farm

$576

$48

Florida

State Farm

$1,092

$91

Florida

State Farm

$536

$45

Georgia

Allstate

$1,260

$105

Georgia

Allstate

$752

$63

Georgia

Country Financial

$1,094

$91

Georgia

Country Financial

$551

$46

Georgia

Country Financial

$959

$80

Georgia

Country Financial

$490

$41

Hawaii

State Farm

$690

$57

Hawaii

State Farm

$297

$25

Hawaii

State Farm

$690

$57

Hawaii

State Farm

$297

$25

Hawaii

State Farm

$690

$57

Hawaii

State Farm

$297

$25

Idaho

State Farm

$528

$44

Idaho

State Farm

$209

$17

Idaho

State Farm

$412

$34

Idaho

State Farm

$171

$14

Idaho

State Farm

$381

$32

Idaho

State Farm

$163

$14

Illinois

American Family

$903

$75

Illinois

State Farm

$424

$35

Illinois

American Family

$844

$70

Illinois

Mercury

$338

$28

Illinois

State Farm

$815

$68

Illinois

State Farm

$333

$28

Indiana

American Family

$756

$63

Indiana

State Farm

$373

$31

Indiana

American Family

$706

$59

Indiana

State Farm

$306

$26

Indiana

State Farm

$667

$56

Indiana

State Farm

$288

$24

Iowa

State Farm

$688

$57

Iowa

State Farm

$195

$16

Iowa

State Farm

$547

$46

Iowa

State Farm

$160

$13

Iowa

State Farm

$482

$40

Iowa

State Farm

$151

$13

Kansas

State Farm

$1,139

$95

Kansas

State Farm

$373

$31

Kansas

State Farm

$922

$77

Kansas

State Farm

$308

$26

Kansas

State Farm

$817

$68

Kansas

State Farm

$291

$24

Kentucky

State Farm

$1,181

$98

Kentucky

State Farm

$488

$41

Kentucky

State Farm

$927

$77

Kentucky

State Farm

$400

$33

Kentucky

State Farm

$845

$70

Kentucky

State Farm

$376

$31

Louisiana

State Farm

$1,745

$145

Louisiana

State Farm

$706

$59

Louisiana

State Farm

$1,391

$116

Louisiana

State Farm

$580

$48

Louisiana

State Farm

$1,434

$120

Louisiana

State Farm

$628

$52

Maine

State Farm

$797

$66

Maine

Countryway Insurance

$319

$27

Maine

State Farm

$627

$52

Maine

Countryway Insurance

$264

$22

Maine

State Farm

$609

$51

Maine

Countryway Insurance

$262

$22

Maryland

Progressive

$1,207

$101

Maryland

Progressive

$658

$55

Maryland

Progressive

$1,041

$87

Maryland

Progressive

$585

$49

Maryland

Progressive

$1,161

$97

Maryland

Progressive

$652

$54

Massachusetts

State Farm

$875

$73

Massachusetts

Hanover

$382

$32

Massachusetts

State Farm

$875

$73

Massachusetts

Hanover

$312

$26

Massachusetts

State Farm

$664

$55

Massachusetts

Hanover

$241

$20

Michigan

Chubb

$1,066

$89

Michigan

Chubb

$413

$34

Michigan

Chubb

$961

$80

Michigan

Chubb

$375

$31

Michigan

Chubb

$798

$67

Michigan

Chubb

$311

$26

Minnesota

American Family

$998

$83

Minnesota

State Farm

$459

$38

Minnesota

State Farm

$862

$72

Minnesota

State Farm

$388

$32

Minnesota

State Farm

$752

$63

Minnesota

State Farm

$337

$28

Mississippi

State Farm

$1,134

$94

Mississippi

State Farm

$403

$34

Mississippi

State Farm

$898

$75

Mississippi

State Farm

$330

$28

Mississippi

State Farm

$808

$67

Mississippi

State Farm

$311

$26

Missouri

American Family

$1,252

$104

Missouri

State Farm

$526

$44

Missouri

State Farm

$1,034

$86

Missouri

State Farm

$441

$37

Missouri

State Farm

$941

$78

Missouri

State Farm

$419

$35

Montana

Progressive

$610

$51

Montana

State Farm

$209

$17

Montana

Progressive

$520

$43

Montana

State Farm

$188

$16

Montana

Progressive

$508

$42

Montana

State Farm

$174

$14

Nebraska

American National P&C

$713

$59

Nebraska

American National P&C

$257

$21

Nebraska

American National P&C

$571

$48

Nebraska

American National P&C

$217

$18

Nebraska

American National P&C

$559

$47

Nebraska

American National P&C

$246

$21

Nevada

State Farm

$1,328

$111

Nevada

State Farm

$685

$57

Nevada

State Farm

$1,050

$87

Nevada

State Farm

$562

$47

Nevada

State Farm

$978

$82

Nevada

State Farm

$529

$44

New Hampshire

State Farm

$1,262

$105

New Hampshire

Concord Group

$695

$58

New Hampshire

Concord Group

$949

$79

New Hampshire

Concord Group

$470

$39

New Hampshire

Concord Group

$933

$78

New Hampshire

Concord Group

$465

$39

New Jersey

Plymouth Rock Assurance

$1,111

$93

New Jersey

Plymouth Rock Assurance

$554

$46

New Jersey

Plymouth Rock Assurance

$1,011

$84

New Jersey

Plymouth Rock Assurance

$523

$44

New Jersey

NJM

$906

$75

New Jersey

NJM

$501

$42

New Mexico

State Farm

$945

$79

New Mexico

State Farm

$350

$29

New Mexico

State Farm

$741

$62

New Mexico

State Farm

$286

$24

New Mexico

State Farm

$673

$56

New Mexico

State Farm

$270

$23

New York

Progressive

$1,159

$97

New York

Progressive

$696

$58

New York

Progressive

$1,034

$86

New York

Progressive

$648

$54

New York

Progressive

$1,063

$89

New York

Kemper

$649

$54

North Carolina

National General

$2,092

$174

North Carolina

National General

$704

$59

North Carolina

National General

$2,043

$170

North Carolina

National General

$655

$55

North Carolina

Nationwide

$1,983

$165

North Carolina

National General

$731

$61

North Dakota

American Family

$837

$70

North Dakota

State Farm

$299

$25

North Dakota

State Farm

$680

$57

North Dakota

State Farm

$246

$21

North Dakota

State Farm

$606

$51

North Dakota

State Farm

$232

$19

Ohio

American Family

$639

$53

Ohio

American Family

$328

$27

Ohio

American Family

$619

$52

Ohio

Progressive

$292

$24

Ohio

American Family

$581

$48

Ohio

Progressive

$307

$26

Oklahoma

State Farm

$901

$75

Oklahoma

State Farm

$296

$25

Oklahoma

State Farm

$718

$60

Oklahoma

State Farm

$243

$20

Oklahoma

State Farm

$639

$53

Oklahoma

State Farm

$229

$19

Oregon

State Farm

$914

$76

Oregon

State Farm

$468

$39

Oregon

State Farm

$791

$66

Oregon

State Farm

$433

$36

Oregon

State Farm

$736

$61

Oregon

State Farm

$408

$34

Pennsylvania

State Farm

$962

$80

Pennsylvania

State Farm

$368

$31

Pennsylvania

State Farm

$827

$69

Pennsylvania

State Farm

$315

$26

Pennsylvania

Allstate

$726

$60

Pennsylvania

State Farm

$289

$24

Rhode Island

State Farm

$862

$72

Rhode Island

State Farm

$422

$35

Rhode Island

State Farm

$700

$58

Rhode Island

State Farm

$344

$29

Rhode Island

State Farm

$712

$59

Rhode Island

State Farm

$356

$30

South Carolina

American National P&C

$788

$66

South Carolina

American National P&C

$417

$35

South Carolina

American National P&C

$649

$54

South Carolina

American National P&C

$361

$30

South Carolina

American National P&C

$689

$57

South Carolina

American National P&C

$412

$34

South Dakota

State Farm

$1,065

$89

South Dakota

State Farm

$292

$24

South Dakota

State Farm

$868

$72

South Dakota

State Farm

$242

$20

South Dakota

State Farm

$759

$63

South Dakota

State Farm

$229

$19

Tennessee

State Farm

$796

$66

Tennessee

State Farm

$284

$24

Tennessee

State Farm

$622

$52

Tennessee

State Farm

$233

$19

Tennessee

State Farm

$564

$47

Tennessee

State Farm

$220

$18

Texas

State Farm

$1,476

$123

Texas

Mercury

$664

$55

Texas

Mercury

$1,218

$101

Texas

Mercury

$543

$45

Texas

State Farm

$1,183

$99

Texas

State Farm

$596

$50

Utah

State Farm

$1,274

$106

Utah

Progressive

$598

$50

Utah

State Farm

$1,004

$84

Utah

Progressive

$531

$44

Utah

State Farm

$929

$77

Utah

State Farm

$521

$43

Vermont

State Farm

$666

$56

Vermont

State Farm

$255

$21

Vermont

State Farm

$527

$44

Vermont

State Farm

$214

$18

Vermont

State Farm

$489

$41

Vermont

State Farm

$204

$17

Virginia

Virginia Farm Bureau

$967

$81

Virginia

Virginia Farm Bureau

$376

$31

Virginia

State Farm

$812

$68

Virginia

State Farm

$331

$28

Virginia

State Farm

$748

$62

Virginia

State Farm

$313

$26

Washington

PEMCO

$991

$83

Washington

PEMCO

$515

$43

Washington

PEMCO

$881

$73

Washington

PEMCO

$461

$38

Washington

State Farm

$874

$73

Washington

State Farm

$422

$35

West Virginia

State Farm

$1,197

$100

West Virginia

State Farm

$504

$42

West Virginia

State Farm

$985

$82

West Virginia

State Farm

$423

$35

West Virginia

State Farm

$910

$76

West Virginia

State Farm

$402

$34

Wisconsin

State Farm

$847

$71

Wisconsin

State Farm

$323

$27

Wisconsin

State Farm

$677

$56

Wisconsin

State Farm

$269

$22

Wisconsin

State Farm

$616

$51

Wisconsin

State Farm

$254

$21

Wyoming

State Farm

$1,010

$84

Wyoming

State Farm

$292

$24

Wyoming

State Farm

$808

$67

Wyoming

State Farm

$233

$19

Wyoming

State Farm

$700

$58

Wyoming

State Farm

$201

$17

usMap icon
HOW EACH STATE TREATS DUI, DWI OR OWI OFFENSES

The state you live in determines how DUI, DWI or OWI are handled. For example, in some states, a DUI stays on your driving record for life and cannot be expunged. If you have an out-of-state violation, you might also face consequences in your home state. DUIs, DWIs and OWIs are among the most severe driving violations nationwide. Each can significantly impact auto insurance rates, so it’s essential to understand how these impaired driving offenses affect your policy.

Insurance Rates

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Cheapest Car Insurance for Military Drivers After a DUI

Military-affiliated drivers and their families can get the cheapest car insurance after a DUI from the following insurers:

  • Minimum coverage: USAA ($674 per year)
  • Full coverage: State Farm ($1,231 per year)

Some insurance companies may offer discounts on auto insurance for military members, veterans and their family members with a DUI. However, keep in mind that availability and eligibility requirements can vary depending on the insurer and state. Use the table below to find the cheapest insurer for military drivers with a DUI.

Company
Annual Premium
Monthly Premium

USAA

$522

$44

USAA

$544

$45

State Farm

$572

$48

State Farm

$614

$51

Progressive

$644

$54

USAA

$652

$54

USAA

$674

$56

Progressive

$695

$58

USAA

$704

$59

State Farm

$716

$60

Progressive

$726

$60

State Farm

$731

$61

State Farm

$767

$64

USAA

$784

$65

USAA

$784

$65

Farmers

$791

$66

Travelers

$795

$66

USAA

$817

$68

USAA

$817

$68

Travelers

$821

$68

USAA

$844

$70

Farmers

$858

$71

Progressive

$858

$71

State Farm

$861

$72

State Farm

$861

$72

Travelers

$874

$73

Allstate

$903

$75

Farmers

$912

$76

State Farm

$912

$76

State Farm

$921

$77

State Farm

$921

$77

Progressive

$930

$78

Nationwide

$936

$78

Allstate

$944

$79

State Farm

$957

$80

Nationwide

$958

$80

Allstate

$963

$80

Progressive

$973

$81

USAA

$982

$82

USAA

$982

$82

State Farm

$1,003

$84

Travelers

$1,005

$84

Progressive

$1,009

$84

Progressive

$1,009

$84

Farmers

$1,011

$84

Nationwide

$1,011

$84

Nationwide

$1,033

$86

State Farm

$1,038

$86

Travelers

$1,044

$87

State Farm

$1,059

$88

State Farm

$1,083

$90

USAA

$1,088

$91

State Farm

$1,092

$91

State Farm

$1,092

$91

Progressive

$1,094

$91

Progressive

$1,094

$91

State Farm

$1,095

$91

USAA

$1,096

$91

Travelers

$1,103

$92

Farmers

$1,104

$92

Allstate

$1,106

$92

GEICO

$1,116

$93

USAA

$1,119

$93

Nationwide

$1,126

$94

USAA

$1,127

$94

State Farm

$1,129

$94

Progressive

$1,144

$95

Progressive

$1,144

$95

State Farm

$1,161

$97

Allstate

$1,162

$97

State Farm

$1,174

$98

Farmers

$1,174

$98

Allstate

$1,179

$98

State Farm

$1,185

$99

GEICO

$1,186

$99

GEICO

$1,190

$99

Progressive

$1,194

$100

State Farm

$1,199

$100

Nationwide

$1,204

$100

Nationwide

$1,204

$100

Farmers

$1,216

$101

Farmers

$1,216

$101

USAA

$1,218

$101

Travelers

$1,228

$102

Travelers

$1,228

$102

Nationwide

$1,229

$102

Nationwide

$1,229

$102

State Farm

$1,231

$103

USAA

$1,234

$103

Nationwide

$1,235

$103

Progressive

$1,236

$103

USAA

$1,242

$104

State Farm

$1,246

$104

Progressive

$1,253

$104

USAA

$1,258

$105

Allstate

$1,264

$105

Allstate

$1,264

$105

USAA

$1,266

$105

USAA

$1,266

$106

State Farm

$1,269

$106

Travelers

$1,274

$106

Travelers

$1,274

$106

Progressive

$1,290

$108

State Farm

$1,297

$108

State Farm

$1,297

$108

State Farm

$1,301

$108

Allstate

$1,332

$111

Allstate

$1,332

$111

Farmers

$1,335

$111

Farmers

$1,335

$111

USAA

$1,336

$111

Travelers

$1,344

$112

Travelers

$1,344

$112

USAA

$1,344

$112

Allstate

$1,347

$112

Allstate

$1,347

$112

State Farm

$1,350

$113

State Farm

$1,355

$113

USAA

$1,355

$113

USAA

$1,363

$114

USAA

$1,364

$114

Progressive

$1,389

$116

Progressive

$1,391

$116

Farmers

$1,393

$116

Progressive

$1,398

$117

Farmers

$1,405

$117

USAA

$1,405

$117

Farmers

$1,411

$118

Farmers

$1,411

$118

USAA

$1,414

$118

State Farm

$1,420

$118

USAA

$1,422

$119

Progressive

$1,426

$119

State Farm

$1,433

$119

State Farm

$1,437

$120

Farmers

$1,448

$121

Progressive

$1,448

$121

Allstate

$1,450

$121

Farmers

$1,451

$121

Progressive

$1,451

$121

Allstate

$1,458

$122

USAA

$1,466

$122

Nationwide

$1,472

$123

Nationwide

$1,472

$123

Progressive

$1,473

$123

Travelers

$1,481

$123

USAA

$1,502

$125

Progressive

$1,506

$125

Allstate

$1,511

$126

Allstate

$1,514

$126

State Farm

$1,514

$126

Progressive

$1,517

$126

Travelers

$1,524

$127

Travelers

$1,536

$128

GEICO

$1,540

$128

Travelers

$1,575

$131

Farmers

$1,576

$131

Progressive

$1,576

$131

State Farm

$1,583

$132

Farmers

$1,590

$132

Progressive

$1,591

$133

Progressive

$1,593

$133

USAA

$1,593

$133

Farmers

$1,598

$133

Travelers

$1,598

$133

USAA

$1,601

$133

State Farm

$1,601

$133

Farmers

$1,601

$133

Allstate

$1,605

$134

USAA

$1,611

$134

Progressive

$1,622

$135

Farmers

$1,632

$136

Allstate

$1,634

$136

GEICO

$1,635

$136

Nationwide

$1,641

$137

Progressive

$1,642

$137

Progressive

$1,645

$137

Travelers

$1,654

$138

Farmers

$1,656

$138

GEICO

$1,657

$138

Farmers

$1,658

$138

Allstate

$1,659

$138

Progressive

$1,660

$138

Allstate

$1,663

$139

State Farm

$1,664

$139

Travelers

$1,667

$139

Allstate

$1,672

$139

Travelers

$1,674

$139

Farmers

$1,675

$140

Travelers

$1,686

$140

Allstate

$1,687

$141

Allstate

$1,695

$141

Progressive

$1,704

$142

Nationwide

$1,708

$142

Nationwide

$1,712

$143

Allstate

$1,714

$143

USAA

$1,718

$143

Progressive

$1,721

$143

USAA

$1,726

$144

Travelers

$1,729

$144

Travelers

$1,737

$145

Nationwide

$1,738

$145

State Farm

$1,751

$146

Allstate

$1,764

$147

Progressive

$1,773

$148

Nationwide

$1,779

$148

Progressive

$1,781

$148

Farmers

$1,782

$149

Travelers

$1,788

$149

USAA

$1,790

$149

Allstate

$1,799

$150

GEICO

$1,803

$150

GEICO

$1,803

$150

Travelers

$1,804

$150

Farmers

$1,804

$150

Allstate

$1,804

$150

Travelers

$1,805

$150

Nationwide

$1,805

$150

Farmers

$1,806

$151

Nationwide

$1,820

$152

Allstate

$1,825

$152

Farmers

$1,830

$153

Farmers

$1,836

$153

Farmers

$1,837

$153

Farmers

$1,840

$153

Travelers

$1,847

$154

Allstate

$1,855

$155

Progressive

$1,856

$155

Allstate

$1,857

$155

Allstate

$1,863

$155

Travelers

$1,867

$156

Travelers

$1,872

$156

Nationwide

$1,878

$156

Farmers

$1,879

$157

Allstate

$1,885

$157

Allstate

$1,885

$157

Nationwide

$1,888

$157

Progressive

$1,891

$158

Travelers

$1,898

$158

Farmers

$1,905

$159

GEICO

$1,909

$159

GEICO

$1,909

$159

USAA

$1,915

$160

Travelers

$1,922

$160

Allstate

$1,944

$162

GEICO

$1,946

$162

GEICO

$1,946

$162

Nationwide

$1,949

$162

Travelers

$1,949

$162

Nationwide

$1,979

$165

Allstate

$1,986

$166

Farmers

$1,991

$166

Travelers

$2,000

$167

Allstate

$2,004

$167

Travelers

$2,004

$167

GEICO

$2,004

$167

Farmers

$2,007

$167

Travelers

$2,010

$168

Nationwide

$2,018

$168

Allstate

$2,026

$169

Nationwide

$2,032

$169

Travelers

$2,040

$170

Progressive

$2,043

$170

GEICO

$2,052

$171

Farmers

$2,056

$171

GEICO

$2,060

$172

Nationwide

$2,062

$172

Travelers

$2,073

$173

Farmers

$2,077

$173

Allstate

$2,084

$174

Nationwide

$2,099

$175

GEICO

$2,104

$175

Travelers

$2,111

$176

Nationwide

$2,117

$176

Nationwide

$2,119

$177

Farmers

$2,124

$177

GEICO

$2,167

$181

Nationwide

$2,185

$182

Travelers

$2,211

$184

Nationwide

$2,218

$185

Allstate

$2,224

$185

GEICO

$2,235

$186

Nationwide

$2,253

$188

Nationwide

$2,269

$189

GEICO

$2,286

$191

Farmers

$2,296

$191

GEICO

$2,319

$193

Nationwide

$2,333

$194

GEICO

$2,408

$201

Nationwide

$2,427

$202

Nationwide

$2,432

$203

GEICO

$2,464

$205

GEICO

$2,492

$208

GEICO

$2,499

$208

Nationwide

$2,513

$209

GEICO

$2,551

$213

GEICO

$2,598

$217

Nationwide

$2,614

$218

GEICO

$2,654

$221

GEICO

$2,665

$222

GEICO

$2,690

$224

GEICO

$2,710

$226

GEICO

$2,766

$230

GEICO

$2,769

$231

GEICO

$2,821

$235

Nationwide

$2,828

$236

GEICO

$2,856

$238

GEICO

$2,923

$244

GEICO

$2,923

$244

GEICO

$2,935

$245

GEICO

$3,036

$253

GEICO

$3,180

$265

veteran icon
DEALS FOR VETERANS

Some insurers may offer veterans special deals, such as lower rates, waived fees or special coverage options. Veterans may also be eligible for discounts based on their age, driving record and other factors, depending on the provider. To get the best deal, compare discounts offered by a few of the best and cheapest car insurance providers for military families and veterans. Make sure to read the fine print to identify any limitations and exclusions.

Best Car Insurance After a DUI

These are the top three providers for full coverage car insurance after a DUI based on MoneyGeek's ranking system:

  • State Farm: MoneyGeek Score of 89 out of 100 ($1,231 per year)
  • Travelers: MoneyGeek Score of 89 out of 100 ($1,729 per year)
  • Progressive: MoneyGeek Score 88 out of 100 ($1,448 per year)

State Farm offers the best insurance for DUI-convicted drivers, followed by Travelers and Progressive. To determine the best insurance provider for drivers with a DUI, MoneyGeek used a ranking system that weighed affordability, customer satisfaction, financial stability and other factors.


1
State FarmBest Car Insurance After a DUI
Score:89

4.7/5

Affordability Rating

5/5

Satisfaction Rating

2.1/5

Claims Rating

Geek Quick Take
Geek Quick Take

State Farm offers drivers DUI insurance at an average of $1,231 per year. With an above-average customer satisfaction rating, State Farm offers drivers with a DUI a good balance between affordable premiums and quality service.

More About State Farm

State Farm offers the best and cheapest auto insurance for drivers with a DUI. To make premiums even more affordable, State Farm gives drivers access to a range of discounts that are easy to qualify for, such as bundling, insuring multiple cars and driving safely. The company also services all 50 states and Washington, D.C., which makes it an accessible option no matter where you are in the country. However, State Farm does miss out on a few key coverages that drivers with a DUI may want, such as deductible modification, new car replacement and gap insurance.

2
Travelers
Score:89

4.3/5

Affordability Rating

5/5

Satisfaction Rating

2.5/5

Claims Rating

Geek Quick Take
Geek Quick Take

Travelers ranks as the second-best DUI insurance provider across the country, earning a high affordability score and an average customer satisfaction and coverage rating. DUI drivers with a Travelers policy pay an average of $1,729 per year for insurance.

More About Travelers

With Travelers, drivers convicted of a DUI can choose from a range of discounts to make premiums cheaper. Aside from common discounts such as bundling, multicar and safe driving discounts, Travelers also offers unique discount opportunities, such as alternative energy, early signing, homeowners and loyalty discounts. Travelers also has a few unique coverages, such as gap insurance, new car replacement and roadside assistance, to help drivers increase their financial protection. If you’re looking for rideshare insurance, however, note that this coverage is only available in Colorado and Illinois.

3
Progressive
Score:88

4.5/5

Affordability Rating

4/5

Satisfaction Rating

2.4/5

Claims Rating

Geek Quick Take
Geek Quick Take

Progressive is the third-best choice for drivers with a DUI. With policies costing an average of $1,448 per year and above-average coverage scores, Progressive provides an ideal DUI insurance alternative.

More About Progressive

Available in 48 states, Progressive is another accessible option for drivers with a DUI. Offering multiple discounts such as for bundling, safe driving, paying in full, going paperless and being a good student, DUI-convicted drivers can find multiple ways to get cheaper premiums. Progressive also offers a range of unique coverages, such as custom parts and equipment (CPE) coverage, which can repair or replace any third-party or after-market items that are damaged in a covered event. However, Progressive may be a expensive for younger drivers — especially those who have a DUI.

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WILL YOU NEED A HIGH-RISK INSURER AFTER A DUI?

Obtaining coverage from a standard insurer, like those above, may not be feasible after a DUI. You may need to find a high-risk insurer that specializes in covering DUI-convicted drivers. And your base premium (without discounts applied) could be double or more compared to a driver with a clean motor vehicle record.

Mark Friedlander, Director, Corporate Communications, Insurance Information Institute.

Insurance Rates

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How Getting a DUI Affects Your Car Insurance

Being labeled as a high-risk driver can lead to increased premiums, limited coverage options, and even policy cancellations. Additionally, you may face challenges like the requirement for SR-22 or FR-44 filings and difficulty finding new coverage.

Even so, how you’re affected can vary based on your specific circumstances, such as your state’s regulations, your provider, the severity of your offense and more. Below is just a brief look into the potential implications of a DUI on your car insurance.

  • barChart icon

    Increased insurance rates

    As a result of getting a DUI, providers may label you as a high-risk driver. This means providers may view you as more likely to make a claim, whether by getting into an accident or receiving another DUI in the future. To hedge against these risks, you might have to pay an increased premium. The premium surcharge on insurance for high-risk drivers may last for a minimum of three years, depending on the provider and your state’s laws.

  • pieChart icon

    Limited coverage

    Because you’re considered a high-risk driver, providers may only offer you liability coverage, not wanting to cover comprehensive and collision damages on your policy.

  • uninsured icon

    Policy cancellation or non-renewal

    Some providers may choose not to renew your policy or may cancel it altogether after a DUI. If you are able to renew your policy, you may receive higher premiums and different coverage terms.

  • bankruptcy icon

    Difficulty finding insurance

    After a DUI, some providers may refuse to offer you coverage as you are deemed high-risk, which can make it difficult to find insurance. If you can’t find an insurer to cover you, focus on companies that specialize in non-standard auto insurance, a type of policy designed for high-risk drivers.

  • onlineForms icon

    Requirement for SR-22 or FR-44 filing

    You may be required to file an SR-22 or FR-44 form, which your insurer must file on your behalf to prove you meet your state’s minimum coverage requirements. An FR-44 is required in Florida and Virginia and has much higher liability coverage requirements than SR-22. Filing one of these forms can significantly affect your rates, as it indicates that you had a severe driving violation or repeat offenses.

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OTHER POTENTIAL CONSEQUENCES OF A DUI

Getting a DUI affects your car insurance in many ways, but you may also:

  • Face jail time.
  • Have to pay legal representation fees and court costs.
  • Have to pay fees to reinstate a suspended driver's license and suspended state registration.

If you caused a serious accident, or your accident led to injuries or fatalities, you could be liable for a large financial settlement.

Mark Friedlander, Director, Corporate Communications, Insurance Information Institute.

Will Insurers Find Out About Your DUI?

Your insurer will find out about your DUI conviction when they pull your record from the DMV or you file an SR-22 or FR-44. When renewing your insurance policy or applying for a new one, insurance companies typically review your DMV records to assess your risk level as a driver. Your motor vehicle record (MVR) reveals key factors, such as your driving history, license status, insurance history and violations or accidents, including DUIs. If you have a DUI, your insurance company will naturally find out when filing required forms like SR-22 or FR-44 on your behalf.

Being upfront about a DUI is crucial when discussing your insurance options. Failure to disclose this information could result in your policy being terminated or complications arising when you need to make a claim.

You're not limited to sticking with your current insurer, especially if you're concerned about rising premiums. It's a smart financial move to compare quotes from at least three different providers. That way, if your current insurer offers to renew your policy but at a rate that's out of your budget, you'll already have alternative options lined up, helping you find coverage that's both affordable and adequate for your needs. You’re also allowed to switch car insurance companies at any time if you find a better offer in the middle of your term.

How Rates Increase After a DUI

The average cost of car insurance after a DUI is $808 more per year compared to a driver with a clean motor vehicle record. As this figure demonstrates, having a DUI on your record can significantly affect your auto insurance premium. As the risk of future accidents and claims is higher for drivers with a DUI, providers charge higher premiums to offset that risk.

Full Coverage Car Insurance Premium Comparison Based on Driving Record

carInsurance
Clean Driving Record

Annual Premium

$1,054
accident2
After a DUI

Annual Premium

$1,862
Car insurance premiums after a DUI are on average:$808 more

This is 77% more expensive.

While insurance costs significantly increase after a DUI, how much your costs increase depends on a few factors. These include:

  • Severity of the offense: A first-time DUI offense may be viewed differently compared to a second or third offense.
  • Previous driving history: Whether you have a history of driving violations, such as speeding tickets or at-fault accidents.
  • Age and gender: Your age and gender are considered when calculating insurance rates. Auto insurance for teens is generally more expensive, for instance, as they have less experience driving.
  • Type of vehicle: Whether the vehicle you are driving poses a hazard (e.g., a sports car or a very old car).
  • Location: Where you reside and external statistics are considered, such as the crime rate or population density.

To get a better understanding of how these factors impact car insurance rates after a DUI, use the table below and examine the difference between premiums for different driving records and age ranges.

Average Cost of Car Insurance After a DUI
Coverage Level
Annual Premium
Monthly Premium

State Minimum Liability Only

$489

$41

State Minimum Liability Only

$496

$41

State Minimum Liability Only

$591

$49

State Minimum Liability Only

$867

$72

State Minimum Liability Only

$895

$75

100/300/100 Full Cov. w/$1,000 Ded.

$1,020

$85

State Minimum Liability Only

$1,024

$85

100/300/100 Full Cov. w/$1,000 Ded.

$1,054

$88

300/500/300 Full Cov. w/$1,000 Ded

$1,103

$92

100/300/100 Full Cov. w/$500 Ded.

$1,111

$93

300/500/300 Full Cov. w/$1,000 Ded

$1,138

$95

100/300/100 Full Cov. w/$500 Ded.

$1,159

$97

300/500/300 Full Cov. w/$500 Ded.

$1,195

$100

300/500/300 Full Cov. w/$500 Ded.

$1,244

$104

100/300/100 Full Cov. w/$1,000 Ded.

$1,302

$109

300/500/300 Full Cov. w/$1,000 Ded

$1,405

$117

100/300/100 Full Cov. w/$500 Ded.

$1,440

$120

300/500/300 Full Cov. w/$500 Ded.

$1,543

$129

100/300/100 Full Cov. w/$1,000 Ded.

$1,842

$154

100/300/100 Full Cov. w/$1,000 Ded.

$1,862

$155

300/500/300 Full Cov. w/$1,000 Ded

$2,010

$167

100/300/100 Full Cov. w/$500 Ded.

$2,015

$168

300/500/300 Full Cov. w/$1,000 Ded

$2,022

$168

100/300/100 Full Cov. w/$500 Ded.

$2,055

$171

300/500/300 Full Cov. w/$500 Ded.

$2,183

$182

300/500/300 Full Cov. w/$500 Ded.

$2,214

$185

100/300/100 Full Cov. w/$1,000 Ded.

$2,235

$186

300/500/300 Full Cov. w/$1,000 Ded

$2,427

$202

100/300/100 Full Cov. w/$500 Ded.

$2,472

$206

300/500/300 Full Cov. w/$500 Ded.

$2,664

$222

How to Lower Your Car Insurance Premium After a DUI

There are no quick fixes that can dramatically lower your car insurance rates after a DUI. However, you can get the best deal available with a little extra effort. Some steps you can take to find more affordable coverage include:

1

Start shopping immediately

The sooner you start looking for coverage after a DUI, the more time you’ll have to find cheap liability-only insurance, as not all providers may insure you. Look for providers who offer discounts you can qualify for as well.

2

Lower your coverage

Look into different types of coverage and decide what you need. You may have to settle for less coverage or higher deductibles to make your premiums more affordable.

3

Compare quotes

Gathering and comparing quotes allows you to see your options and choose what’s best for you. Make sure to compare quotes from at least three different companies.

4

Complete DUI classes or programs

By completing DUI classes or programs, you can demonstrate to insurers that you’re taking steps to become a safer driver. Depending on the insurer, you might even get a discount for completing a program.

5

Improve your driving record

Opt to drive safely and keep a clean record after your DUI. Over time, doing so will improve your driving record. You can also improve your record by taking defensive driving classes.

6

Look before you renew

Before renewing your policy, make sure to check out offers from other providers. You might find a cheaper or better policy after shopping around. Once you're secured coverage, review your policy and shop around for better rates every six months to a year. As time passes and your record improves, you may qualify for lower premiums.

7

Consult an insurance agent

If you're finding it particularly challenging to get affordable insurance, consider consulting with an insurance agent who is familiar with car insurance companies that insure high-risk drivers.

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Frequently Asked Questions About Car Insurance After a DUI

Navigating auto insurance after a DUI can be complicated. Our answers to some of the most commonly asked questions about DUI insurance can help provide clarity about the process.

Read More on Auto Insurance

Expert Advice: Car Insurance After a DUI

  1. How can a DUI impact your finances overall?
  2. How can drivers with a DUI on their record lower their car insurance over time?
  3. What steps can drivers take to mitigate the financial impacts of a DUI?
  4. What resources are available to help people repair their driving record and/or finances after a DUI?
Thomas Simeone
Thomas Simeone

Trial Attorney, Simeone & Miller, LLP

Dr. Rawi Naranong
Dr. Rawi Naranong

Professor at the School of Applied Business at Daytona State College

About Devon Delfino


Devon Delfino headshot

Devon Delfino is an independent financial journalist covering topics in finance and marketing for six years. Her personal finance reporting has been featured in publications such as the L.A. Times, Teen Vogue, Mashable, MarketWatch, CNBC and USA Today, among others.

Devon earned a Bachelor of Science degree in Journalism from Boston University.