Progressive provides the most affordable car insurance for New York drivers with a DUI, at monthly rates of $77 for state minimum coverage and $122 for full coverage. American Family, Kemper and State Farm also offer competitive rates for those with a DUI.
DUI Car Insurance in New York
Updated: December 3, 2025
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Key Takeaways
Through our research, we found that Progressive offers the cheapest car insurance in New York if you have a DUI, at just $77 monthly.
For most drivers with a good credit score, average monthly costs are $207 for minimum coverage and $372 for full coverage.
After a DUI in New York, you must carry at least 25/50/10 liability, $50,000 no-fault personal injury protection (PIP), and matching uninsured/underinsured motorist coverage (25/50) and liability for death of $50,000.
Cheapest DUI Car Insurance in New York
| Progressive | $77 | $122 |
| American Family | $103 | $193 |
| Kemper | $104 | $187 |
| State Farm | $187 | $299 |
| Allstate | $208 | $404 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
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Compare Cheap Car Insurance With a DUI in New York
Your situation might be different from the driver profiles shown in the table above. To guide you better, we’ve listed the most affordable car insurance options for drivers with a DUI, based on coverage level, age and credit score.
Data filtered by:
30-59
Good
State Minimum Liability Only
| Progressive | $77 | $919 |
| American Family | $103 | $1,239 |
| Kemper | $104 | $1,252 |
| State Farm | $187 | $2,243 |
| Allstate | $208 | $2,496 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy New York law for most drivers.
How Much Does DUI Car Insurance Cost in New York?
DUI car insurance costs around $2,490 per year in New York, depending on your age, credit score, and coverage choice. A DUI can raise your rates by 49% on average compared to drivers without such infractions. We've detailed average costs by coverage level, credit score and age group.
Data filtered by:
30-59
Good
State Minimum Liability Only
| $207 | $2,490 | $69 | $824 | 49% |
*A 250/500/250 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy New York law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN NEW YORK
In New York, a DUI stays on your record for up to 10 years. Still, most insurers focus on violations from the past three to five years when setting rates. Many companies lower premiums after three years of safe driving, but some still factor in a DUI for the full 10-year period.
Additional Costs to Consider When Having a DUI in New York
Car insurance rates often rise sharply after a DUI, but many drivers don’t realize the full cost that comes with it. Make sure to plan for these costs:
- Fines and fees. A first-time DUI or DWAI fines in New York typically range from $500 to $1,000, but higher BAC levels, commercial licenses, or prior offenses can push fines to $2,000 to $10,000. On top of that, you'll be charged additional surcharges, victim‑assistance fees and local court costs.
- Towing/impound fee. If your vehicle is impounded after the arrest, expect towing costs between $100 and $200, and storage fees that might exceed $45 per day, depending on location and length of impoundment.
- Drug education and treatment. New York mandates enrollment in the Drinking Driver Program, which includes a $75 enrollment fee, a $225 program fee, and $50 for a suspension termination. Additional court-mandated screening or counseling could add another $100 or more.
- DMV reinstatement fee. To get your license back, you typically pay a $100 reinstatement fee, plus $100 for ignition interlock installation, and another $100 per month while the device is in use.
- Ignition interlock device. New York law requires IID installation for at least six months post-conviction. Installation usually costs $75 to $100, plus $70 to $100 monthly for monitoring and calibration.
- Attorney fees and damages. Hiring a DUI attorney and covering court costs can range widely, but most first-time cases fall between $1,500 and $5,000. If your DUI caused an accident, you’ll also be responsible for property damage or medical bills.
New York DUI Car Insurance Requirements
After a DUI in New York, you’re not required to file an SR-22 form unless you transfer to an out-of-state requirement. However, you must maintain at least the state’s minimum liability coverage: $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage. New York also requires $50,000 in PIP and uninsured/underinsured motorist coverage at $25,000/$50,000 and liability for death of
$50,000 per person. Your insurer may increase rates for three to five years based on the DUI.
Other New York DUI Laws to Know
New York requires more than just extra insurance after a DUI, drivers must also pay substantial fines, jail time, vehicle seizure and mandatory device installations.
Fines
For a first-time DUI, mandatory fines are between $500 and $1,000, and aggravated charges (like a BAC over 0.18%) raise this to $1,000–$2,500. Repeat or felony-level DUIs can result in even steeper fines. These amounts are separate from court surcharges, assessments, or DMV fees.
Imprisonment and release
First-offense DUI carries up to one year in jail in New York. Repeat offenders or those with high BACs face longer sentences that may exceed one year. After release, individuals often serve six months to a year of probation and may be required to install an ignition interlock device or attend a victim impact panel.
Impounding of vehicles
If you're arrested for a DUI, your vehicle can be immediately impounded, and in some cases, permanently forfeited. Law enforcement can seize your car under civil forfeiture laws, though you may request a hearing to challenge the impoundment and recover your vehicle.
Suspension periods
New York enforces a minimum six-month license revocation for first-time DUI convictions, with longer revocation periods for repeat or aggravated offenses. Restoration of your license requires meeting strict legal, administrative and financial requirements.
DUI education requirements
Anyone convicted of DUI in New York must complete a state-approved Drinking Driver Program, which may include alcohol education and substance abuse treatment. Attendance at a victim impact panel is often part of the process, and completion of all requirements is necessary for license reinstatement.
Ignition interlock device requirements
Under Leandra’s Law, anyone convicted of DUI must install an ignition interlock device. First offenses typically require at least six months of IID use; second offenses require one year, and third or subsequent convictions may require up to three years of monitored device use.
How to Get the Best Cheap New York Car Insurance With a DUI
Below we've highlighted strategies to help you find affordable car insurance in New York after a DUI. If you're denied coverage by traditional insurers, we’ll also walk you through alternative options to stay insured.
- 1Understand Your Needs
A DUI in New York usually means higher insurance costs, but that doesn’t mean you should stick to the bare minimum. Consider your budget, driving habits and how much protection you’re comfortable with. You can use our auto insurance coverage calculator to figure out what level of coverage works best for you.
- 2Research Costs and Discounts
There aren’t any discounts made specifically for DUI cases, but many insurers offer savings for things like getting a quote online or paying upfront. New York drivers may also qualify for a 10% premium discount by completing a defensive driving course, which often costs around $35.
- 3Compare Rates From Multiple Insurers
Request quotes from multiple insurers and use the same coverage limits when comparing prices. Working with an independent broker or using online tools often helps you find the best deal faster.
- 4Use the New York Automobile Insurance Plan (NYAIP)
If standard insurers refuse coverage, you can apply through the New York Automobile Insurance Plan (NYAIP). This state program guarantees that drivers with serious violations, such as a DUI, can still get the required coverage.
- 5Make Lifestyle or Vehicle Changes
Improving your credit score is one of the most effective ways to reduce your premium. In New York, the price difference between drivers with good and poor credit can reach thousands of dollars a year. You could also save money by choosing a cheaper vehicle to insure, like a safe and reliable used car.
- 6Consider Non-Traditional Coverage Types
If you drive fewer than 7,000 miles a year, a pay-per-mile policy could lower your costs. Usage-based insurance programs that track your driving habits may also lead to discounts of up to 40%.
Cheap DUI Insurance in New York: Bottom Line
For New York drivers with a DUI, the most affordable car insurance providers are Progressive, American Family and Kemper. While these are the best rates we found, we encourage you to compare rates to ensure you get the coverage you need at the best price.
DUI Insurance in New York: FAQ
Below are MoneyGeek's expert answers to common questions about DUI insurance in New York.
Who has the cheapest car insurance for New York drivers with a DUI?
For New York drivers with a DUI and good credit, Progressive offers the cheapest minimum and full coverage. However, for folks with poor credit, Kemper becomes the most affordable option for both full and minimum coverage.
How much does a DUI increase rates in New York?
In New York, a DUI can increase state minimum rates by an average of 49% and full coverage rates by approximately 53%.
How much does DUI car insurance in New York Cost?
In New York, DUI car insurance for minimum coverage averages $207 monthly. Full coverage cost is around $372 per month.
How We Chose the Cheapest Car Insurance for New York's DUI Drivers
To determine the top companies for drivers with DUIs in New York, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- AIPSO. "New York Automobile Insurance Plan (NYAIP)." Accessed June 26, 2025.