Auto Insurance
BestAuto InsuranceAfter a DUIGetting Car Insurance in New York After a DUI (2023)
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If you’re looking for the best car insurance after being charged with driving under the influence of alcohol or drugs (DUI) in New York, State Farm is MoneyGeek’s pick for full and minimum coverage policies.
On the other hand, State Farm and Progressive tie for the most affordable full coverage insurer, while Allstate offers the cheapest minimum coverage. Compare prices for each policy type in the table below.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
Best full coverage after a DUI - State Farm
Best minimum coverage after a DUI - State Farm
Regardless of which state you live in, car insurance providers can legally refuse to cover drivers with a DUI conviction on their record. If your insurer chooses to continue your policy after you get a DUI, your rates will significantly increase. This is because drivers with a DUI are considered high-risk, which means they’re more likely to file a claim.
In addition to having your driver’s license suspended, MoneyGeek’s data shows that New York drivers with a DUI pay about 74% more for a full coverage insurance policy.
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Cheapest Car Insurance Companies in New York After a DUI
In a nationwide comparison, MoneyGeek found that Progressive and State Farm provide the most affordable auto insurance policies after a DUI. But in New York, State Farm and Allstate offer the cheapest premiums for DUI-convicted drivers.
Cheapest Companies for Full Coverage in New York After a DUI
MoneyGeek’s data determined that the lowest full coverage car insurance rates for drivers with a DUI are the following:
- State Farm: $2,736 per year
- Progressive: $2,736 per year
Although USAA is the most affordable option at $2,642 per year, it’s only available to active military members, veterans and their families.
Cheapest Car Insurance for Full Coverage After a DUI
Cheapest Companies for Minimum Coverage in New York After a DUI
According to MoneyGeek’s data, the following companies offer the cheapest minimum-coverage policies for DUI offenders in New York:
- Allstate: $1,674 per year
- Progressive: $1,830 per year
It’s worth noting that USAA offers the most affordable annual premiums at $1,536. However, its policies are limited to military members, veterans and their families.
Cheapest Car Insurance for Minimum Coverage After a DUI
MONEYGEEK EXPERT TIP
When it comes to car insurance coverage, the cheapest option may not always be enough. Although New York law mandates that drivers only need the state’s minimum coverage, we recommend figuring out how much car insurance you need to protect yourself and your assets.
Top Car Insurance Companies in New York After a DUI
To help you find the best policy for your needs, MoneyGeek scored insurance companies based on affordability, financial stability and customer satisfaction. The best auto insurance company for someone with a DUI in New York is State Farm and Travelers.
Best Companies for Full Coverage in New York After a DUI
For DUI offenders in New York, State Farm and Travelers are the top two providers for full coverage auto insurance. Dive into our rankings and read more about each insurer in the table below.
1
State FarmBest full coverage after a DUI
Score:4.5
With State Farm, typical drivers pay $2,481 annually for full coverage insurance. In contrast, the average for DUI offenders jumps to $2,736, which is a 10% increase.
More About State Farm
Available in all 50 states, State Farm is a top-rated auto insurance provider. Although they lack more unique coverages, State Farm is an affordable option for most drivers.
2
State Farm
Score:4.5
With State Farm, typical drivers pay $2,481 annually for full coverage insurance. In contrast, the average for DUI offenders jumps to $2,736, which is a 10% increase.
More About State Farm
Available in all 50 states, State Farm is a top-rated auto insurance provider. Although they lack more unique coverages, State Farm is an affordable option for most drivers.
3
Travelers
Score:4
A Travelers full coverage policy costs approximately $3,482 per year for drivers with a clean record. Meanwhile, people with a DUI pay about $4,430 per year, a 27% increase.
More About Travelers
Travelers is available in 31 states and features unique discounts and optional coverages. Although Travelers is modestly priced, it doesn’t offer coverage for better car replacement.
4
Travelers
Score:4
A Travelers full coverage policy costs approximately $3,482 per year for drivers with a clean record. Meanwhile, people with a DUI pay about $4,430 per year, a 27% increase.
More About Travelers
Travelers is available in 31 states and features unique discounts and optional coverages. Although Travelers is modestly priced, it doesn’t offer coverage for better car replacement.
Best Companies for Minimum Coverage in New York After a DUI
Although minimum coverage is the cheapest type of insurance, it might not fit everyone’s needs. MoneyGeek evaluated several auto insurance companies offering minimum coverage policies in New York and put our top picks in the table below.
1
State FarmBest minimum coverage after a DUI
Score:4
Without a DUI, a minimum coverage policy from State Farm costs around $1,714 per year. On the other hand, DUI offenders pay roughly $1,902 annually, about a 10% increase.
More About State Farm
State Farm provides rideshare insurance and discounts for students. Many drivers find their policies inexpensive. Unfortunately, State Farm doesn’t offer accident forgiveness.
2
Travelers
Score:4
For drivers with a clean record, a policy with Travelers can cost around $2,110 each year. However, those with a DUI pay about 27% more, $2,704 annually.
More About Travelers
Travelers offers unique new vehicle and homeowners discounts. They also receive relatively few customer complaints. However, Travelers doesn’t allow you to modify your deductibles.
3
State Farm
Score:4
Without a DUI, a minimum coverage policy from State Farm costs around $1,714 per year. On the other hand, DUI offenders pay roughly $1,902 annually, about a 10% increase.
More About State Farm
State Farm provides rideshare insurance and discounts for students. Many drivers find their policies inexpensive. Unfortunately, State Farm doesn’t offer accident forgiveness.
4
Travelers
Score:4
For drivers with a clean record, a policy with Travelers can cost around $2,110 each year. However, those with a DUI pay about 27% more, $2,704 annually.
More About Travelers
Travelers offers unique new vehicle and homeowners discounts. They also receive relatively few customer complaints. However, Travelers doesn’t allow you to modify your deductibles.
How Much Does Car Insurance Cost in New York After a DUI?
Average car insurance costs in New York increase about 74% after a DUI. The average price of a full coverage policy with a DUI conviction is $5,704 per year. By contrast, drivers in New York with no such violations pay roughly $3,282 for the same coverage.
In this section, MoneyGeek explains how and why your New York auto insurance rates may change after you get a DUI.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$3,282
Average Cost with DUI
Full Coverage
$5,704Full coverage policy premiums after a DUI cost::$2,422 more
This is 74% more expensive.
The cost of your New York auto insurance increases after a DUI because you’re considered a risky driver. Use MoneyGeek’s auto insurance calculator below to get a more tailored estimate of how your rates may change after a DUI.
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MONEYGEEK EXPERT TIP
In addition to rising car insurance rates, other DUI-related costs can reach thousands of dollars:
- Fines, court and attorneys' fees: A DUI charge often results in fines and various court fees, including paying for an attorney.
- Towing/impound fee: You must pay a fee if your car is towed and impounded following an arrest.
- Drug education and treatment: Some states require DUI drivers to undergo an alcohol or drug education program.
- DMV reinstatement fee: After your license is suspended, you’ll need to pay a fee to reinstate your driving privileges.
- Damages: If your driving causes an accident, you could be responsible for the cost of property damages and medical care.
Getting Car Insurance in New York After a DUI
Some auto insurance companies refuse to cover drivers who have been convicted of a DUI. Because they are private businesses, insurance providers can legally choose to cancel or decline to renew the policies of DUI offenders.
Getting insurance in New York can be especially challenging since the look-back period extends to 15 years. However, it’s still possible to shop around, compare quotes and find the insurance company that will give you the best possible rate.
MONEYGEEK EXPERT TIP
Apart from a DUI conviction, numerous factors — such as age, credit score and accident history — can render a driver high-risk. Because high-risk drivers often pay more expensive premiums, MoneyGeek identified the best and most affordable auto insurance companies for high risk drivers.
New York DUI Laws
If you’re convicted of a DUI in New York, you could lose your driving privileges, pay fines and spend time in jail. Penalties are more severe for those who commit more than one alcohol or drug-related violation within 25 years.
Driving with a BAC at or above 0.08% is considered a DUI
Blood alcohol content (BAC) is the amount of alcohol in someone’s bloodstream.
The DUI BAC threshold in New York is 0.08%, but you can also be arrested with a lower BAC if your driving is noticeably impaired.
Driving with a BAC of 0.18% will result in increased penalties
Drivers caught with a BAC of 0.18% or above can be fined up to $2,000. They can also be imprisoned for one year or given both penalties.
License revocation for a first offense
If you are caught driving with a BAC of 0.08% or above, your license will be revoked for at least six months.
Ignition interlocks
Drivers must install interlocks that disable their car’s engine if alcohol is detected on their breath. New York makes this mandatory for all DUI convictions.
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Frequently Asked Questions
Finding the best auto insurance after a DUI conviction in New York can be complicated. MoneyGeek answered some commonly asked questions to help you through the process.
Methodology
To determine the top companies for individuals with DUIs in STATE, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data 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.
About Mark Fitzpatrick
sources
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 14, 2022.
- New York DMV. "Penalties for Alcohol or Drug-Related Violations." Accessed April 14, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 14, 2022.
- The Foundation for Advancing Alcohol Responsibility. "State Law: DUI Look-Back Periods." Accessed April 14, 2022.
- STOP-DWI New York. "The Consequences." Accessed April 19, 2022.