What is the cheapest car insurance for people with a DUI?

State Farm offers the cheapest DUI insurance for both minimum coverage ($737 per year) and full coverage policies ($1,231 per year). However, for military drivers looking for DUI insurance , USAA is the cheapest for state-minimum policies ($674).

What is the best car insurance company after a DUI?

The best DUI insurance provider is State Farm, offering a solid balance between cost ($1,231 per year) and customer satisfaction ratings.

How much does your insurance go up after a DUI?

Having a DUI on your record can increase your insurance by an average of $808 more per year. Drivers with clean records pay an average of $1,054 annually for coverage, while drivers with a DUI pay $1,862.

How long does a DUI affect your car insurance?

A DUI can affect your insurance in a multitude of ways. For instance, you can face increased insurance rates, policy cancellation or non-renewal, limited coverage and difficulty finding a provider. You may also be required to get SR-22 or FR-44 insurance.

Best and Cheapest Car Insurance After a DUI (September 2023)

Having a DUI on your record will likely increase your auto insurance rates. Based on MoneyGeek’s analysis, State Farm offers the most affordable full coverage for drivers with a DUI at an average of $1,231 per year.

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.

CheapestAfter a DUICar Insurance

2023

Car Insurance After a DUI (2023)

Cheapest Overall - State Farm

Cheapest by State

Cheapest for Military - State Farm

Best Car Insurance After a DUI - State Farm

How DUIs Affect Car Insurance

How Rates Increase After a DUI

How to Lower Rates After a DUI

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.

Age Group

Coverage

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

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.

Age Group

Coverage

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

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.

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.

Age Group

Coverage

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

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.

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

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.

Travelers

Score:89

4.3/5

Affordability Rating

5/5

Satisfaction Rating

2.5/5

Claims Rating

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.

Progressive

Score:88

4.5/5

Affordability Rating

4/5

Satisfaction Rating

2.4/5

Claims Rating

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.

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.

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.

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.
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.
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.
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.
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.

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

Clean Driving Record

Annual Premium

$1,054

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

Age Group

Driving Violation

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:

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.

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.

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.

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.

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.

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.

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.

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.

Expert Advice: Car Insurance After a DUI

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

Thomas Simeone

Trial Attorney, Simeone & Miller, LLP

Dr. Rawi Naranong

Professor at the School of Applied Business at Daytona State College

About Devon Delfino

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.

Best and Cheapest Car Insurance After a DUI (September 2023)

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On This Page:

Cheapest Car Insurance After a DUI

Cheapest Car Insurance After a DUI by State

Compare Auto Insurance Rates

Cheapest Car Insurance for Military Drivers After a DUI

Best Car Insurance After a DUI

Compare Auto Insurance Rates

How Getting a DUI Affects Your Car Insurance

Will Insurers Find Out About Your DUI?

How Rates Increase After a DUI

Full Coverage Car Insurance Premium Comparison Based on Driving Record

Average Cost of Car Insurance After a DUI

How to Lower Your Car Insurance Premium After a DUI

Start shopping immediately

Lower your coverage

Compare quotes

Complete DUI classes or programs

Improve your driving record

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