Auto Insurance
BestAuto InsuranceAfter a DUIMoneyGeek’s data shows that Missouri drivers convicted of driving under the influence of alcohol or drugs (DUI) can get the cheapest car insurance from State Farm. From our findings, the best overall provider in the state for full coverage insurance is Allstate. State Farm is the best for minimum coverage.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
Best full coverage after a DUI - Allstate
Best minimum coverage after a DUI - State Farm
Purchasing car insurance is mandatory across all U.S. states. However, some insurers may legally deny you a policy if you have a DUI on your driving record, while others offer you coverage at increased rates since you are considered high-risk.
If you are convicted of a DUI in Missouri, you’ll pay 42.6% more on average for car insurance than a driver with a clean record. You will also face legal penalties such as jail time, fines, completing an alcohol treatment program and license revocation.
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Cheapest Car Insurance Companies in Missouri After a DUI
Typically, the most affordable car insurance companies for DUI offenders in the United States are Progressive and State Farm. This holds true in Missouri, where State Farm is the cheapest car insurance company for someone with a DUI. However, the cheapest insurer may vary across states.
Cheapest Companies for Full Coverage in Missouri After a DUI
The coverage level you choose could determine your car insurance rates after a DUI. Based on MoneyGeek’s findings, the most affordable companies for full coverage car insurance for people with a DUI in Missouri are:
- State Farm: $980 per year
- American Family: $1,068 per year
Although USAA is the cheapest option at $807 per year, it’s only available to military members and their families.
Cheapest Car Insurance for Full Coverage After a DUI
Rank | Company | Annual Premium |
|---|---|---|
1 | USAA | $807 |
2 | State Farm | $980 |
3 | American Family | $1,068 |
4 | Allstate | $1,155 |
5 | Allied | $1,675 |
Cheapest Companies for Minimum Coverage in Missouri After a DUI
One way to cut the cost of car insurance after a DUI is to get the minimum coverage amount. We found that the cheapest minimum coverage car insurance companies in Missouri after a DUI are:
- State Farm: $481 per year
- American Family: $668 per year
Eligible military-affiliated drivers can get cheaper coverage from USAA at an average of $346 per year.
Cheapest Car Insurance for Minimum Coverage After a DUI
Company | Minimum Annual Premium |
|---|---|
USAA | $346 |
State Farm | $481 |
American Family | $668 |
Progressive | $717 |
Allstate | $719 |
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Minimum coverage car insurance costs less than a full coverage policy but may not provide sufficient protection after an accident. The state minimum car insurance only covers the cost of damage and injury to the other driver if you are at fault in an accident. You may need to purchase additional coverage if you need more protection.
Top Car Insurance Companies in Missouri After a DUI
MoneyGeek ranked car insurance companies based on customer satisfaction, affordability and financial stability to determine the best car insurance for someone with a DUI. According to our findings, the top insurer in the state for full coverage is Allstate, whereas the best for minimum coverage car insurance is State Farm.
Best Companies for Full Coverage in Missouri After a DUI
According to MoneyGeek’s unique scoring system, the best car insurance companies for DUI offenders in Missouri who want full coverage policies are Allstate and State Farm.
1
AllstateBest full coverage after a DUI
Score:4.2
Allstate’s average cost of full coverage car insurance if you have a DUI is $1,155 per year. Drivers without a DUI pay $893 per year, a difference of 29.23%.
More About Allstate
Allstate ranks consistently high across all evaluation categories. The insurer offers custom parts and sound systems coverage as add-on insurance. However, Allstate does not offer common discounts such as defensive driving and multiple car discounts.
2
State Farm
Score:4.2
State Farm’s full coverage car insurance policies cost an average of $980 per year if you have a DUI and $906 without a DUI. Therefore, the rate will go up by about 8.16% if you are a DUI offender.
More About State Farm
State Farm has fairly high scores across all categories, making it the second-best provider for those with a DUI in Missouri. State Farm policyholders can access various discounts, but accident forgiveness is not one of them.
Best Companies for Minimum Coverage in Missouri After a DUI
The best minimum coverage car insurance companies in Missouri for drivers with a DUI are State Farm and Allstate. Although minimum coverage policies feature the lowest premiums, they may not be enough to cover all the expenses after an accident.
1
State FarmBest minimum coverage after a DUI
Score:4
Missouri drivers will pay an average of $481 per year for minimum coverage car insurance if convicted of a DUI, compared to $438 for those who aren’t. The rate increases by 8.16% if you have a DUI on your record.
More About State Farm
In Missouri, State Farm is an affordable and high-scoring insurance provider. It provides common additional coverages like roadside assistance and rental car or travel reimbursement but offers no unique coverage options.
2
Allstate
Score:4
Allstate’s minimum coverage car insurance costs an average of $719 per year with a DUI and $569 without a DUI. You will have to pay 29.23% more if you are a DUI offender.
More About Allstate
Allstate has high customer satisfaction and stability scores. The insurer also offers unique custom parts and sound system coverage.
How Much Does Car Insurance Cost in Missouri After a DUI?
MoneyGeek’s analysis shows that car insurance premiums increase by 42.6% in Missouri after you get a DUI. Drivers in this state pay an average of $1,237 per year with a clean record and $1,765 after a DUI. You can use the list below to compare more auto insurance rates with or without a DUI.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$1,237
Average Cost with DUI
Full Coverage
$1,765Full coverage policy premiums after a DUI cost::$528 more
This is 43% more expensive.
Your car insurance rates are likely to increase if you have a DUI on your record since insurers consider drivers with DUIs as high-risk. Use MoneyGeek's car insurance calculator below to obtain a personalized cost estimate for your driving profile.
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In addition to increased policy costs, there are other financial consequences associated with a DUI. Some of the additional costs may include:
- Fines, court and attorneys' fees: DUI convictions are criminal in nature and usually carry fines and court fees.
- Towing/impound fee: If your car is towed or impounded after arrest, you’ll need to pay a fee to get it back.
- Drug education and treatment: You may be required to enroll in mandatory alcohol or drug education programs.
- DMV reinstatement fee: If your license gets suspended, you will need to pay the reinstatement fee to get your driving privileges back.
Getting Car Insurance in Missouri After a DUI
Finding car insurance after a DUI conviction can be challenging. Insurance companies are private businesses and have the right to deny you a policy altogether if they consider you a high-risk driver. The state’s look-back period may also influence the insurer’s decision. For instance, a DUI stays on your record for five years in Missouri.
Your car insurance premiums will spike significantly after getting a DUI, and different companies may charge different rates. Comparing quotes across multiple providers can help you find the best and most affordable options.
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If you’re convicted of a DUI in Missouri, you’ll need to have your insurer file an SR-22 form to confirm that your car insurance policy meets the state's minimum requirements. Filing this insurance has its own cost implications as well. You will need to pay filing fees and you may also lose the discounts associated with a typical car insurance policy.
Missouri DUI Laws
Driving under the influence of drugs and alcohol often poses legal repercussions. In Missouri, a DUI conviction could incur penalties such as paying fines, license suspension, facing jail time and mandatory completion of an alcohol and drug education program. MoneyGeek outlines some relevant DUI laws in Missouri in the table below.
Driving with a BAC at or above 0.08% is considered a DUI
Blood alcohol concentration (BAC) is the amount of alcohol in a person’s blood. Missouri considers driving with a BAC of 0.08% and above criminal.
Driving with a BAC of 0.15% will result in increased penalties
BACs between 0.15% and 0.2% warrant two days of mandatory imprisonment. A BAC of 0.2% and above warrants mandatory imprisonment in Missouri for five days. If your BAC is above 0.15%, you have to complete a drug or alcohol education program before the state restores your driving privileges.
90-day administrative license suspension on the first offense
Missouri's administrative license suspension law allows an officer to suspend your driving license for 90 days if you fail an alcohol test for the first time.
Limited driving privileges
Missouri drivers with a DUI conviction can get a restricted permit to drive to work, school or for medical treatment. Driving privileges differ when combined with ignition interlocks.
Mandatory ignition interlocks
An ignition interlock system that requires you to take a BAC test before starting your car is mandatory for all repeated convictions.
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Frequently Asked Questions
In Missouri, getting car insurance with a DUI conviction can be challenging. MoneyGeek responded to the commonly asked questions to help you get the best coverage for your needs.
Methodology
To determine the top companies for individuals with DUIs in Missouri, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
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sources
- DMV.org. "Missouri DUI & DWI Laws & Enforcement." Accessed April 25, 2022.
- Responsibility.org. "National Drunk Driving Statistics Map." Accessed April 25, 2022.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 25, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 25, 2022.