Auto Insurance
BestAuto InsuranceAfter a DUIRegardless of coverage level, MoneyGeek determined that Allstate is the best car insurance company in Vermont for drivers charged with driving under the influence of alcohol or drugs (DUI).
Allstate also offers the cheapest minimum coverage car insurance rates post-DUI. On the other hand, DUI drivers in Vermont will find the most affordable full coverage rates with State Farm. Compare rates for the top companies in each category in the table below.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
Cheapest minimum coverage after a DUI - Allstate
Best full coverage after a DUI - Allstate
Best minimum coverage after a DUI - Allstate
Car insurance companies in all 50 states have the legal right to decline coverage to drivers with a DUI conviction. This is because drivers charged with a DUI are considered high-risk, which means they are more likely to file claims an insurer must oblige.
If your insurance provider continues your coverage after you get a DUI, expect your rates to increase. According to MoneyGeek’s data, Vermont drivers with a DUI pay roughly 83% more for car insurance. This is in addition to other post-DUI fallout, like driver's license suspension, interlock ignition divide (IID) installation, legal fees and possible jail time.
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Cheapest Car Insurance Companies in Vermont After a DUI
On a nationwide scale, Progressive and State Farm generally provide the most affordable auto insurance rates after a DUI. However, the most affordable insurer per state may vary. In Vermont, MoneyGeek found that State Farm and Allstate offer the cheapest car insurance for DUI offenders.
Cheapest Companies for Full Coverage in Vermont After a DUI
According to MoneyGeek’s analysis, the companies offering the cheapest full coverage car insurance rates post-DUI in Vermont are:
- State Farm: $784 per year
- Allstate: $878 per year
USAA is actually the cheapest auto insurer in the state, with an average annual premium of $758 for full coverage after a DUI. However, it's only available to individuals affiliated with the military.
Cheapest Car Insurance for Full Coverage After a DUI
Rank | Company | Annual Premium |
|---|---|---|
1 | USAA | $758 |
2 | State Farm | $784 |
3 | Allstate | $878 |
4 | Concord Group | $1,096 |
5 | Nationwide | $1,341 |
Cheapest Companies for Minimum Coverage in Vermont After a DUI
One way to pay less in car insurance premiums is to adjust your level of coverage. MoneyGeek found that the following insurers provide the cheapest minimum coverage policies for DUI offenders in Vermont:
- Allstate: $322 per year
- State Farm: $380 per year
With an annual cost of $322, USAA ties with Allstate as the cheapest car insurance provider in Vermont for minimum coverage after a DUI, but it's only accessible to military members and their families.
Cheapest Car Insurance for Minimum Coverage After a DUI
Company | Minimum Annual Premium |
|---|---|
Allstate | $322 |
USAA | $322 |
State Farm | $380 |
Concord Group | $574 |
Vermont Mutual | $632 |
MONEYGEEK EXPERT TIP
Choosing an auto insurance policy that only satisfies the minimum level of coverage required by your state is typically the most cost-effective. Minimum coverage typically only includes liability insurance, which compensates for the injuries and damages inflicted on others if you're at fault in an accident.
That said, state-mandated auto insurance usually isn't enough to financially protect you in the event of an accident. MoneyGeek’s calculator can help you better estimate how much insurance coverage you need based on your driver profile.
Top Car Insurance Companies in Vermont After a DUI
MoneyGeek ranked the best car insurance providers for DUI drivers in Vermont based on pricing, customer satisfaction, financial stability and other factors. According to our research, Allstate is the overall best insurer in the state for both full and minimum coverage.
Best Companies for Full Coverage in Vermont After a DUI
MoneyGeek determined that Allstate is the best auto insurance company for drivers with a DUI conviction in Vermont looking for a full coverage policy. The second best company is State Farm. More details about each of these companies are presented in the table below.
1
AllstateBest full coverage after a DUI
Score:4.5
Allstate offers full coverage car insurance to Vermont drivers with a DUI for roughly $878 per year, as opposed to $652 for drivers without a DUI. So, if you are convicted of a DUI, your average annual rate increases by about 35%.
More About Allstate
Allstate is also a good option for teen drivers, as it includes accident forgiveness and roadside assistance. The company is also accessible in every state. However, it does not offer standard discounts for things like multiple vehicles or defensive driving.
2
State Farm
Score:4.5
In Vermont, State Farm offers full coverage auto insurance with a DUI at $784 per year, compared to $717 without a DUI. This means that if you have a DUI on your record, your annual State Farm premium will likely increase by 9%.
More About State Farm
State Farm offers many discounts, including a student discount. The company’s insurance is available in all 50 states. However, accident forgiveness and new car replacement coverages are missing, among others.
Best Companies for Minimum Coverage in Vermont After a DUI
For those with a DUI who want just the basic coverage, Allstate and State Farm remain the top car insurance companies in Vermont. Although minimum coverage auto insurance is the most inexpensive option, keep in mind that it might not be enough to cover all of your expenses in case of an accident.
1
AllstateBest minimum coverage after a DUI
Score:5
If you've been convicted of a DUI in Vermont, a minimum coverage car insurance policy from Allstate costs an average of $322 per year, compared to $242 without a DUI. So, if you have a DUI on your record, your yearly premiums will increase by 33% with Allstate.
More About Allstate
Allstate is known for its strong customer service with a variety of driver profiles. However, drivers looking to save money with discounts may be disappointed with this company’s lack of commonly found options.
2
State Farm
Score:4
Minimum coverage car insurance from State Farm with and without a DUI costs about $380 and $346 per year, respectively. This means that a DUI conviction in Vermont increases this insurer's average annual rates by about 10%.
More About State Farm
State Farm offers affordable policies to a range of driver types. However, you won’t find many unique coverages with this insurer.
How Much Does Car Insurance Cost in Vermont After a DUI?
According to MoneyGeek, a DUI in Vermont raises the price of annual car insurance by about 83%. A full coverage policy in Vermont post-DUI costs approximately $1,403 per year, compared to $765 for drivers with a clean record. That’s a $638 difference.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$765
Average Cost with DUI
Full Coverage
$1,403Full coverage policy premiums after a DUI cost::$638 more
This is 83% more expensive.
A DUI conviction will almost surely result in a significant increase in your car insurance costs. This is because insurance companies now classify you as a high-risk driver. MoneyGeek's car insurance calculator can help you get a better sense of how your premiums might change after a DUI.
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MONEYGEEK EXPERT TIP
The financial consequences of a DUI cannot be overstated. In addition to higher car insurance rates, a DUI can incur the following costs:
- Fines, court and attorneys' fees: A DUI arrest is typically connected with fines and a slew of court costs, including the cost of legal representation.
- Towing/impound fee: You must pay a fee if your automobile is towed and seized following an arrest.
- Drug education and treatment: In certain jurisdictions, DUI drivers must undergo an alcohol or drug education program.
- DMV reinstatement fee: Once your license has been suspended, you will have to pay a fee to get it reactivated.
- Damages: You may be held accountable for medical expenditures if someone is injured as a result of your mistake.
Getting Car Insurance in Vermont After a DUI
Getting affordable car insurance after a DUI may be tough. Insurance companies are legally allowed to refuse to insure drivers they deem excessively risky. Moreover, the higher premiums that result from a DUI conviction may cost you hundreds or thousands of extra dollars each year. The length of a state's look-back period — which in Vermont is a lifetime — may exacerbate these issues.
If you have a DUI on your record, it's wise to look for companies that offer coverage for high-risk drivers. Comparing quotes from different providers can help you choose the cheapest option for your needs.
MONEYGEEK EXPERT TIP
Vermont drivers who have been convicted of a DUI are required to obtain SR-22 insurance. An SR-22 is a form that your insurer files with the state on your behalf, proving that you have the minimum insurance coverage required in your state. SR-22 insurance in Vermont comes with its own set of costs, including filing fees and the loss of eligibility for some driver discounts.
Vermont DUI Laws
If you’re convicted of a DUI in Vermont, you may lose your driving privileges, pay fines and serve time in prison even on a first offense. Those who commit three alcohol-related offenses lose their driving privileges and may face five years in jail in addition to $2,500 in fines.
Driving with a BAC at or above 0.08% is considered a DUI
Your blood alcohol concentration (BAC) is a measurement of the quantity of alcohol in your blood. In Vermont, driving with a BAC of 0.08% or above is illegal. Even if you're under the legal limit, you could still be charged with reckless driving if you’re noticeably intoxicated.
Driving with a BAC of 0.16% will result in increased penalties
Vermont imposes more intense restrictions for drivers whose BAC is 0.16% or greater. After such an occurrence, being caught driving with a BAC of just 0.02% or more will count as a DUI for three years.
90-day license suspension on first offense
Your license will be suspended for 90 days if you’re found driving with a BAC of 0.08%. This period extends to one year if accompanied by an injury or fatality.
Mandatory ignition interlocks for all offenses
An electronic device is installed in the convicted driver’s vehicle to measure their BAC. The driver will not be able to start the vehicle if their BAC is over the designated threshold.
Fines and jail time
A first-time offender risks a maximum sentence of two years in jail and a $750 fine. A driver who gets a second DUI may face another two years in prison and a $1,500 fine. A third DUI conviction can result in up to five years in jail and a $2,500 fine.
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Frequently Asked Questions
To help you navigate this issue, MoneyGeek provides answers to the most commonly asked questions about acquiring car insurance in Vermont after getting a DUI.
Methodology
To determine the top companies for individuals with DUIs in Vermont, MoneyGeek has analyzed each company’s financial stability, customer satisfaction, claims and affordability based on 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
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 26, 2022.
- Insurance Institute for Highway Safety. "Alcohol and Drugs." Accessed April 26, 2022.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 26, 2022.
- Responsibility.org. "National Drunk Driving Statistics Map." Accessed April 26, 2022.