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

If you are a Pennsylvania driver with a DUI on your record, your current auto insurer may drop your policy or choose to not renew it. If you are offered coverage, it is important to note that your insurer may charge you significantly higher rates. For example, the average cost of full coverage car insurance with a DUI is $3,033 annually, while only $1,742 per year with a clean record.

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Last Updated: 10/9/2022
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State Farm is the cheapest widely-available insurer for Pennsylvania drivers with a DUI. Our research shows that State Farm also offers the best minimum coverage and full coverage policies for drivers with a DUI.

MoneyGeek found USAA to be the cheapest insurer offering full coverage and state-minimum policies to drivers with a DUI in Pennsylvania. However, USAA is only available to eligible military members and their families.

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Insurance providers are legally allowed to refuse coverage to drivers with a DUI on their record and providers set their own policies regarding the acceptance of drivers with a DUI. Some insurers will let you have coverage and charge higher rates for a policy because they consider you a risky driver. In Pennsylvania, you can expect to pay as much as 74% more for car insurance after a DUI, with rates increasing from $1,742 to $3,033.

In addition to higher rates for car insurance, you may also have to face jail time, license suspension, hefty fines, install an ignition interlock device in your vehicle and attend mandatory drug education programs.

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Cheapest Car Insurance Companies in Pennsylvania After a DUI

Across the United States, State Farm and Progressive are the cheapest options for car insurance after a DUI. In Pennsylvania, State Farm and Allstate offer the most affordable widely-available policies to drivers with a DUI.

Cheapest Companies for Full Coverage in Pennsylvania After a DUI

State Farm and Allstate are the cheapest companies offering full coverage policies to drivers with a DUI conviction.

  • State Farm: $1,494 per year
  • Allstate: $1,824 per year

USAA is the cheapest insurer in the state, providing full coverage policies to drivers with a DUI at an average of $1,322 per year. However, its policies are limited to military families.

Cheapest Car Insurance for Full Coverage After a DUI

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  • Rank
    Company
    Annual Premium
  • 1
    USAA
    $1,322
  • 2
    State Farm
    $1,494
  • 3
    Allstate
    $1,824
  • 4
    Erie
    $2,031
  • 5
    Esurance
    $2,501

Cheapest Companies for Minimum Coverage in Pennsylvania After a DUI

In Pennsylvania, State Farm and Allstate are the cheapest widely-available options for drivers looking for a state-minimum policy after a DUI.

  • State Farm: $719 per year
  • Allstate: $835 per year

While USAA is the cheapest option in the state for minimum coverage with an average annual cost of $499, it only offers policies to military members.

Cheapest Car Insurance for Minimum Coverage After a DUI

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While a minimum coverage policy costs less, it often doesn’t offer enough protection in the case of an accident. If you want the best policy that meets your needs, you can start by estimating how much insurance coverage you need.

Top Car Insurance Companies in Pennsylvania After a DUI

MoneyGeek analyzed the customer satisfaction, affordability and financial stability ratings of different insurance companies. We found State Farm and Travelers to be the best options for drivers looking for full coverage car insurance in Pennsylvania with a DUI.

Best Companies for Full Coverage in Pennsylvania After a DUI

MoneyGeek explained the coverage details, discounts and other important information about State Farm and Travelers below.


1
State FarmBest full coverage after a DUI
Score:4.4

4.9/5

Affordability

5/5

Financial Stability

4/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

State Farm’s full coverage insurance policy for drivers with a clean record costs an average of $1,370 per year. After a DUI conviction, this cost increases to an average of $1,494 per year, showing that a DUI can increase your policy’s cost by 9%.

More About State Farm

State Farm has excellent customer complaints and financial stability ratings, and the company offers various discounts to policyholders. With State Farm, you can get a discount on your policy if you’re a student and a good driver. It also offers rideshare insurance. However, the company does not offer unique coverages like Original Equipment Manufacturer (OEM) coverage.

2
Travelers
Score:4.2

3.8/5

Affordability

5/5

Financial Stability

3.5/5

User Satisfaction

5/5

Claims

Geek Quick Take
Geek Quick Take

Travelers charges an average of $1,330 per year to drivers with a clean record. If you have a DUI on your record, the company will charge you an average of $2,843 per year. This shows that a DUI conviction can increase your car insurance costs by 114%.

More About Travelers

Travelers is one of the best insurers for full coverage car insurance, as the company ranks well for customer complaints, financial stability and discounts. The company offers unique discounts like loyalty, new vehicle, homeowners and hybrid vehicle. It also offers several add-on coverages like roadside assistance, gap insurance, new car replacement and accident forgiveness.

Best Companies for Minimum Coverage in Pennsylvania After a DUI

While selecting a minimum coverage policy helps save money on car insurance payments, it’s usually not the best option as it does not provide sufficient coverage. MoneyGeek explained the average costs, policy details and other information about State Farm and Travelers below.


1
State FarmBest minimum coverage after a DUI
Score:4

5/5

Stability

4/5

Satisfaction

4/5

Claims

5/5

Affordability

Geek Quick Take
Geek Quick Take

State Farm charges an average of $652 per year to provide minimum coverage to drivers with a clean record. After a DUI conviction, this cost increases up to an average of $719 per year, showing that a DUI can raise your car insurance costs by 10%.

More About State Farm

Since State Farm offers several discounts and rideshare insurance to policyholders, the company is one of the best options for minimum coverage after a DUI conviction. It also has outstanding customer complaints and financial stability ratings. However, State Farm does not offer unique coverages like Original Equipment Manufacturer (OEM) coverage.

2
Travelers
Score:4

5/5

Stability

4/5

Satisfaction

5/5

Claims

4/5

Affordability

Geek Quick Take
Geek Quick Take

With Travelers, the average policy cost for drivers with a DUI is $1,729, while it’s only $825 per year for drivers with a clean record. It shows that the cost of a policy increases by as much as 109% after a DUI conviction.

More About Travelers

Travelers is one of the best options if you’re looking for a state-minimum policy with a DUI. The company is rated reasonably well for customer complaints, financial stability and discounts. It offers many add-on coverages to policyholders, including roadside assistance, accident forgiveness, new car replacement and gap insurance.

How Much Does Car Insurance Cost in Pennsylvania After a DUI?

Auto insurers charge an average of $3,033 per year for a Pennsylvania driver with a DUI, compared to $1,742 per year for someone with a clean record. Insurance companies charge higher rates because they consider you a high-risk driver after a DUI conviction. See the list below to compare full coverage car insurance costs before and after a DUI.

How long does a DUI affect the cost of your car insurance?

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Average Cost

Full Coverage

$1,742
insurance2
Average Cost with DUI

Full Coverage

$3,033
Full coverage policy premiums after a DUI cost::$1,291 more

This is 74% more expensive.

Your insurance rates will significantly increase after a DUI conviction because the insurers will consider you a high-risk driver. MoneyGeek’s auto insurance calculator can help you get a personalized estimate of your car insurance costs based on your background and profile.

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A DUI conviction not only causes higher car insurance premiums, but it also has other financial implications as well:

  • Fines, court and attorneys' fees: After a DUI conviction, you’ll have to pay hefty fines and cover various court costs. You may also have to hire an attorney to fight any unfair charges.
  • Towing/impound fee: If the police deem you unable to drive, they’ll impound your vehicle. You’ll have to pay a fee to get it released.
  • Drug education and treatment: Some states require drivers with a DUI to undergo various drug education and treatment programs, ranging from days to weeks.
  • DMV reinstatement fee: If your license gets suspended due to a DUI conviction, you’ll have to pay a fee to get it reinstated.

Getting Car Insurance in Pennsylvania After a DUI

Some insurers may refuse to insure you after a DUI conviction. As insurance companies are private businesses, they are legally allowed to do so. If the insurers offer you coverage, they'll charge higher rates. Drivers may also struggle to get car insurance because of the state's look-back period of 10 years. If you want the most affordable rates, it's best to compare quotes from different companies and choose those that fit your needs.

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Because insurers will give you expensive rates after a DUI conviction, MoneyGeek researched the best and cheapest car insurance for high-risk drivers to help you find a policy that fits your needs.

Pennsylvania DUI Laws

There are many legal consequences of a DUI conviction, including hefty fines, mandatory jail time, installation of an ignition interlock device and attending a drug education program. MoneyGeek explained Pennsylvania’s DUI laws below.

  • This is an icon

    Driving with a BAC at or above 0.08% is considered a DUI

    Blood Alcohol Content (BAC) refers to the percentage of alcohol in your bloodstream. In Pennsylvania, it’s illegal to drive with a BAC greater than 0.08%. Even if you’re not over that threshold, the police can still arrest you if they think you’re not fit to drive the vehicle.

  • This is an icon

    Driving with a BAC at or above 0.16% will increase penalties

    In Pennsylvania, if drivers are found driving with a BAC greater than 0.16%, they’ll have to face jail time and hefty fines. The law also requires them to attend an alcohol highway safety school and comply with all drug and alcohol treatment requirements.

  • This is an icon

    Limited driving privileges

    Drivers with a suspended license in Pennsylvania can drive after obtaining an Occupational Limited License (OLL) or an Ignition Interlock Limited License (IILL).

  • This is an icon

    Ignition interlocks are mandatory for high BAC (.10 or higher) and repeat convictions

    Pennsylvania’s law requires drivers who are repeat offenders or found driving with a BAC greater than 0.10% to install and maintain an ignition interlock device in their car, which prevents them from driving if they have alcohol in their system.

  • This is an icon

    Open container laws

    In Pennsylvania, drivers and passengers are not allowed to carry open containers of alcohol in the car.

  • This is an icon

    Repeat offender laws

    Drivers who are habitual offenders in Pennsylvania will have their licenses revoked.

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

MoneyGeek analyzed and researched the following frequently asked questions about car insurance with a DUI conviction to help you understand how it works in Pennsylvania.

Methodology

To determine the top companies for individuals with DUIs in Pennsylvania, 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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