Updated: July 13, 2025
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State Farm offers the cheapest car insurance after a DUI, with rates averaging $2,299 per year and leading affordability in 14 states nationwide.
A DUI increases car insurance rates by an average of $1,178 per year. Full coverage costs range from $2,484 to $5,272 annually, depending on coverage limits and deductibles.
State Farm, Travelers and Progressive earn the highest ratings for DUI coverage, combining competitive rates with superior customer satisfaction and financial stability.
State Farm offers the cheapest car insurance after a DUI at $192 per month, followed by Travelers at $236 per month 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 paying $2,299 or $4,012 annually for comparable coverage.
| State Farm | $192 | $2,299 | 43% | 91 |
| Travelers | $236 | $2,826 | 30% | 92 |
| National General | $249 | $2,984 | 26% | 84 |
| Progressive | $251 | $3,011 | 25% | 94 |
| UAIC | $289 | $3,471 | 14% | 77 |
| AIG | $295 | $3,542 | 12% | 83 |
| GEICO | $334 | $4,012 | 0% | 80 |
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 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.
| State Farm | $293 | $3,510 | 44% | 91 |
| National General | $353 | $4,235 | 32% | 86 |
| Travelers | $362 | $4,342 | 31% | 92 |
| UAIC | $405 | $4,860 | 22% | 80 |
| Progressive | $422 | $5,065 | 19% | 91 |
| AIG | $424 | $5,085 | 19% | 85 |
| Allstate | $518 | $6,217 | 1% | 83 |
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 charge $144.
Progressive provides transparent online DUI management tools, while Travelers offers traditional agent support with accident forgiveness programs.
| State Farm | $133 | $1,592 | 39% | 91 |
| Travelers | $144 | $1,725 | 34% | 94 |
| Progressive | $144 | $1,733 | 34% | 96 |
| National General | $178 | $2,139 | 19% | 83 |
| Kemper | $202 | $2,425 | 8% | 76 |
| UAIC | $206 | $2,468 | 6% | 77 |
| GEICO | $214 | $2,566 | 2% | 81 |
| AIG | $214 | $2,568 | 2% | 81 |
Senior drivers with DUI convictions find moderate rate increases compared to younger drivers. 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.
| State Farm | $150 | $1,796 | 44% | 91 |
| Progressive | $186 | $2,235 | 30% | 94 |
| Travelers | $201 | $2,412 | 24% | 90 |
| National General | $215 | $2,577 | 19% | 82 |
| AIG | $248 | $2,973 | 7% | 82 |
| Kemper | $249 | $2,984 | 6% | 74 |
| UAIC | $257 | $3,085 | 3% | 75 |
USAA offers the cheapest minimum coverage for military-affiliated drivers at $674 annually for 100/300/100 liability only, while State Farm has the lowest full coverage. Some insurers also provide discounts for active-duty military, veterans and their families with a DUI. Use the table below to compare the cheapest options.
| USAA | $674 | $56 |
| State Farm | $767 | $64 |
| Progressive | $858 | $71 |
| Travelers | $1,005 | $84 |
| Farmers | $1,011 | $84 |
| Nationwide | $1,033 | $86 |
| Allstate | $1,106 | $92 |
| GEICO | $1,540 | $128 |
Some insurers offer veterans special deals, such as lower rates, waived fees or special coverage options. Depending on the provider, veterans may also be eligible for discounts based on age, driving record and other factors.
Compare discounts from a few of the best and cheapest car insurance providers for military families and veterans. Read the fine print to identify any limitations and exclusions.
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.
| American Family | $198 | $2,381 |
| GEICO | $227 | $2,723 |
| Travelers | $228 | $2,736 |
| Progressive | $231 | $2,770 |
| Auto Owners | $242 | $2,904 |
| State Farm | $262 | $3,144 |
| AIG | $299 | $3,589 |
| National General | $331 | $3,966 |
| Chubb | $341 | $4,092 |
| Allstate | $355 | $4,262 |
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.
| Alabama | AIG | $24 | -72% |
| Alaska | Western National Insurance | $44 | -27% |
| Arizona | State Farm | $54 | -50% |
| Arkansas | Farm Bureau | $39 | -45% |
| California | Geico | $93 | -43% |
| Colorado | American National | $40 | -57% |
| Connecticut | State Farm | $84 | -48% |
| Delaware | State Farm | $86 | -54% |
| District of Columbia | Chubb | $61 | -52% |
| Florida | State Farm | $67 | -49% |
| Georgia | Auto Owners | $94 | -39% |
| Hawaii | State Farm | $39 | -70% |
| Idaho | State Farm | $19 | -69% |
| Illinois | Geico | $63 | -34% |
| Indiana | Progressive | $50 | -35% |
| Iowa | State Farm | $21 | -65% |
| Kansas | State Farm | $41 | -47% |
| Kentucky | State Farm | $54 | -60% |
| Louisiana | State Farm | $74 | -52% |
| Maine | Progressive | $42 | -44% |
| Maryland | Geico | $60 | -63% |
| Massachusetts | Plymouth Rock Insurance | $38 | -56% |
| Michigan | Progressive | $72 | -62% |
| Minnesota | State Farm | $36 | -65% |
| Mississippi | Farm Bureau | $59 | -42% |
| Missouri | Farm Bureau | $47 | -54% |
| Montana | State Farm | $20 | -72% |
| Nebraska | Farmers Mutual Ins Co of NE | $41 | -55% |
| Nevada | State Farm | $78 | -36% |
| New Hampshire | MMG Insurance | $53 | -34% |
| New Jersey | Plymouth Rock Insurance | $79 | -60% |
| New Mexico | State Farm | $40 | -48% |
| New York | Progressive | $35 | -63% |
| North Carolina | National General | $71 | -62% |
| North Dakota | State Farm | $36 | -54% |
| Ohio | Geico | $54 | -29% |
| Oklahoma | Progressive | $34 | -56% |
| Oregon | State Farm | $41 | -60% |
| Pennsylvania | State Farm | $39 | -61% |
| Rhode Island | State Farm | $42 | -70% |
| South Carolina | American National | $50 | -51% |
| South Dakota | Progressive | $18 | -69% |
| Tennessee | Farm Bureau | $42 | -45% |
| Texas | State Farm | $66 | -38% |
| Utah | Kemper | $74 | -32% |
| Vermont | Co-operative Insurance | $21 | -66% |
| Virginia | Farm Bureau | $40 | -63% |
| Washington | State Farm | $40 | -47% |
| West Virginia | State Farm | $52 | -41% |
| Wisconsin | Travelers | $41 | -37% |
| Wyoming | State Farm | $22 | -48% |
Each state handles DUI, DWI and OWI violations differently. In some states, a DUI remains on your driving record for life and can't be removed. Out-of-state violations can also lead to penalties in your home state. These offenses rank among the most serious driving violations nationwide.
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 $2,435, which is nearly 2.5 times higher.
| Adult Drivers | $203 | $2,435 |
| Senior Drivers | $253 | $3,031 |
| Young Drivers | $500 | $6,001 |
Premiums range from $2,104 for minimum coverage to $5,272 for comprehensive with zero-dollar deductible policies. You should balance comprehensive protection and manageable premiums based on your financial situation and risk tolerance. Review these coverage tiers to help you find the best deal:
| State Minimum Liability Only | $176 | $2,104 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $207 | $2,484 |
| State Minimum Liability w/ Full Cov. w/$2,000 Ded. | $277 | $3,321 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $347 | $4,168 |
| 50/100/50 Full Cov. w/$500 Ded. | $353 | $4,236 |
| State Minimum Liability w/ Full Cov. w/$250 Ded. | $366 | $4,390 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $384 | $4,603 |
| State Minimum Liability w/ Full Cov. w/$0 Ded. | $440 | $5,272 |
Minimum coverage provides an affordable option that meets state-required liability limits. However, drivers with a record, such as a DUI, may pay significantly higher premiums, sometimes nearly double the rate of a clean-record driver.
While the DMV doesn't mandate full coverage insurance, drivers with a history of violations may be required to file an SR-22 or FR-44.
Lowering your car insurance rates after a DUI takes time, but you can find more affordable coverage with extra effort. Consider these steps:
The sooner you start looking for coverage after a DUI, the more time you’ll have to find cheap minimum insurance, as not all providers will insure you.
Look for providers who offer discounts you can qualify for, such as bundling, multi-vehicle, pay in full, good student and paperless billing.
You may have to settle for less coverage or higher deductibles. Decide what you need and look at different types of coverage.
Comparing quotes lets you review your options objectively and choose what’s best for you. Get quotes from at least three different companies.
Check with your insurer to see if completing state-certified DUI classes or programs can earn you a discount. Taking defensive driving courses shows insurers you're actively working to become a safer driver.
Commit to driving safely and keeping your record clean after a DUI. Safe driving habits will gradually reduce your risk profile to insurers and lower your rates.
Before renewing your policy, gather quotes from a few other providers. You might find a cheaper or better policy after shopping around. Once you've secured coverage, review your policy and shop for better rates every six months to a year. As time passes and your record improves, you may qualify for lower premiums.
If you're having trouble getting affordable insurance, consider consulting an agent familiar with companies that insure high-risk drivers.
Being labeled a high-risk driver can result in higher premiums, fewer coverage options and policy cancellations. You may also need to file an SR-22 or FR-44 (required only in Florida and Virginia) and face challenges finding new coverage.
The impact of a DUI varies based on factors like state regulations, your insurer and the severity of the offense. Below is a quick overview of how a DUI can affect your car insurance.
After a DUI, insurers may consider you a high-risk driver, meaning they see you as more likely to file a claim, whether from another accident or DUI. To offset this risk, your premium may increase. The surcharge on insurance for high-risk drivers typically lasts three to five years, depending on your provider and state regulations.
Because you’re considered a high-risk driver, providers may offer you minimum coverage only, not wanting to cover comprehensive and collision damage on your policy.
Depending on the severity of your DUI infraction, some insurers may cancel your policy mid-term or not renew it at the end of the policy term. You may receive significantly higher premiums and different coverage terms if you can renew your policy.
After a DUI, some insurers may refuse coverage due to your high-risk status, making it harder to find insurance. If you can't find a provider, consider companies specializing in nonstandard auto insurance catering to high-risk drivers.
After a DUI conviction, you may need to file an SR-22 or FR-44 form, which your insurer will submit to prove you meet your state’s minimum coverage requirements. An FR-44 is required in Florida and Virginia and has higher liability coverage requirements than an SR-22. Filing either form can raise your rates, as it signals a serious driving violation or repeated offenses.
A DUI can affect your car insurance in many ways, but it may also:
You could be liable for a large financial settlement if you caused a serious accident or one resulting in injuries or fatalities. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
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.
Annual Premium
$3,283
Annual Premium
$4,461This is 36% more expensive.
Insurance costs increase significantly after a DUI, but the exact amount depends on several factors:
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.
Obtaining coverage from a standard insurer may not be feasible after a DUI. You may need to find a high-risk insurer that specializes in covering DUI-convicted drivers. Your base premium (without discounts applied) could be double or more than a driver with a clean record. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
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.
Our answers to common questions about DUI insurance can help you find auto insurance after a DUI.
State Farm offers the cheapest DUI insurance for minimum coverage at $614 and full coverage at $1,231 annually. For military drivers seeking DUI insurance, USAA is the most affordable for minimum coverage.
State Farm is the best DUI insurance provider, offering a solid balance between costs ($1,231 per year) and customer satisfaction.
A DUI on your record can raise your insurance costs by an average of $1,178 annually. Drivers with clean records pay an average of $3,283 annually for coverage, while drivers with a DUI pay $4,461. However, rates can vary significantly depending on your age, location, driving history and the insurance company you choose.
A DUI can affect your insurance in many ways: increased insurance rates, policy cancellation or non-renewal, limited coverage and difficulty finding a provider. You may also be required to get an SR-22 or FR-44.
You can take steps to reduce your policy cost after a DUI. One way is to compare quotes from different insurers, as some are more lenient with rate increases. You may also qualify for discounts by completing a defensive driving course or installing an ignition interlock device in your car.
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:
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
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:
Learn more about MoneyGeek’s auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
