Getting Car Insurance After a DUI in New York: Everything You Need to Know

When your driver’s license is suspended due to a DUI, your insurer may cancel your policy. If not, expect your premiums to increase by nearly 74% in New York. Drivers in this state with a DUI conviction pay roughly $5,704 per year for a full coverage policy, compared to $3,282 for the same coverage without a DUI.

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Last Updated: 10/7/2022
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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.

iconribbonBestAuto InsuranceAfter a DUI2022

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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Insurance Rates

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

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  • Rank
    Company
    Annual Premium
  • 1
    USAA
    $2,642
  • 2
    State Farm
    $2,736
  • 3
    Progressive
    $2,736
  • 4
    Allstate
    $3,092
  • 5
    Erie
    $3,224

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

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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:4.7

5/5

Affordability

4/5

Financial Stability

4.5/5

User Satisfaction

5/5

Claims

Geek Quick Take
Geek Quick Take

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
Travelers
Score:4.3

4.2/5

Affordability

5/5

Financial Stability

4.5/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

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:5

4/5

Stability

5/5

Satisfaction

5/5

Claims

5/5

Affordability

Geek Quick Take
Geek Quick Take

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

5/5

Stability

5/5

Satisfaction

4/5

Claims

4/5

Affordability

Geek Quick Take
Geek Quick Take

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?

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Average Cost

Full Coverage

$3,282
insurance2
Average Cost with DUI

Full Coverage

$5,704
Full 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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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.

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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.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

    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.

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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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 the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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