Most people see their car insurance rates increase after a DUI or DWI. Specifically, we found that car insurance rates go up $1,659 per year after a DUI, on average.

How much your car insurance rates increase after a DUI depends on several factors, including where you live, the type and amount of coverage you buy, the company that provides your coverage and more.

For example, if you got car insurance from State Farm, your rates will go up an average of $604 per year, according to our research. If you got car insurance from Allstate, though, your rates will go up an average of $2,275 per year after a DUI.

Keep reading to learn more about how a DUI affects your auto insurance rates, including:

How much do insurance rates go up after a DUI?

Your car insurance rates will likely go up an average of $138 per month after a DUI, based on our data.

Your own rates may go up by more or less than that amount after a DUI, though, as every insurance company handles DUIs differently.

Other factors determine what you pay for car insurance after a DUI, too, such as the kind and amount of coverage you buy. For example, the average rates shared in this article are for a full-coverage policy, which includes liability, collision and comprehensive coverages. If you have just liability coverage, not only will your policy cost less, but your rates may go up less after a DUI.

Also, as the information below shows, how much your DUI insurance costs is only part of the cost of a DUI.

Average estimated cost of a DUI

A DUI could cost you around $10,000 when all is said and done. The following chart details the different costs usually associated with a DUI:

Average costs of a DUI
Expense Average estimated cost
Bail $150 to $2,500
Towing and impound $100 to $1,000
Added insurance costs $1,600+
DUI lawyer $2,000 to $5,000
Court fines $1,000
Alcohol treatment/education $1,000 to $2,500
Licensing fees $150
Ignition lock $800 to $1,250
Total $6,800 to $14,100

Keep in mind that these costs are estimates. You might pay more or less than these amounts. Compare quotes to find out how much a DUI could raise your car insurance rates.

Also, even if a DUI doesn’t cause your car insurance costs to go up by $1,600 or more per year, you’ll likely lose your preferred or safe driver discount following a DUI conviction.

Some insurance companies may even drop you after a DUI. Or they might switch you to high-risk coverage once they learn of your DUI infraction. There are companies that specialize in insuring high-risk drivers. Check them out if you find yourself in this situation.

What are the best car insurance companies after a DUI?

The best car insurance company after a DUI is Virginia Farm Bureau, with an average annual rate of $1,008 for a full-coverage policy. This is more than $600 per year less than the average amount car insurance goes up after a DUI.

We also found that PEMCO, Wadena and a few other companies offer cheap car insurance after a DUI.


Not everyone can buy car insurance from these companies, as they only serve certain states or regions.

If you’re looking for cheap auto insurance after a DUI from a company that serves most, if not all, states, get and compare quotes from State Farm and Progressive. Include USAA, too, if you qualify. USAA only serves veterans, active military and their families.


State Farm is the best large car insurance company if you have a DUI on your record, based on our data. It offered our sample driver an average annual rate of $2,110 for a full-coverage policy. 

USAA offered an average rate of $2,383 per year for car insurance after a DUI, while Progressive offered an average rate of $2,621.

How long does a DUI stay on your record?

How long a DUI stays on your driving record varies from state to state. In general, a DUI should drop off your driving record after three to seven years, though you might need to wait even longer. The same is true of your insurance record. However, it may remain on your criminal record forever.

If a DUI continues to show up on background checks after three to seven years, you have a few options. 

  • Try to get the DUI expunged from your criminal record. 
  • Have the DUI listed under "sealed records." Contact your state's Department of Motor Vehicles (DMV) or a DUI lawyer to learn more.

What happens if the DUI is expunged?

Getting a DUI expunged may be an option if you’re looking to remove a DUI from your record. That said, each state has strict rules on expungement. Some states only allow expungement if you’re arrested for, but not convicted of, driving under the influence.

How long does a DUI affect car insurance rates?

A DUI may raise your insurance rates for a minimum of three years.

How long a DUI affects your insurance rates depends on where you live, just like where you live determines how long a DUI stays on your driving record.

Typically, though, a DUI can increase your car insurance rates as long as the citation remains on your driving record. After it drops off your record, the DUI should stop impacting your insurance and your rates should return to normal.

How do insurance companies find out about a DUI?

Insurance companies find out about a DUI when they look into your history of tickets, accidents and convictions. Because of this, if you already have an auto insurance policy, your provider probably won’t learn about your DUI until it checks this report at renewal time.

This is when your insurer may either raise your rates or drop you as a customer entirely.

If you’re applying for a new car insurance policy with a DUI on your record, be honest from the beginning about your history. The company will check regardless, and if you’re dishonest, you could be denied coverage.

DUIs and SR-22 insurance

If you’re convicted of a DUI, you may have to file an SR-22 form with your state’s DMV.

An SR-22 form, or certificate of financial responsibility, proves that you have purchased at least the minimum amount of liability car insurance your state requires.

You probably won’t have to file this certificate yourself. Most insurance companies file SR-22 forms for their customers.

What is a DUI?

A DUI charge indicates driving under the influence of certain substances. If you take something that impairs your driving and risks the safety of others while you're behind the wheel, you can be charged with a DUI. This includes:

  • Alcohol
  • Legal prescription drugs
  • Illegal drugs
  • A combination of these substances

The legal threshold for blood alcohol content (BAC) is 0.08% in most states. You could still be convicted of a DUI with a blood alcohol level of 0.05% or lower, however, if a prosecutor can prove that a combination of substances impaired your driving.

The best way to avoid charges and high costs is to not drive under the influence.


The sample quotes used for this article are based on non-binding estimates provided by Quadrant Information Services for a 30-year-old single male driver. He has a 2012 Honda Accord LX and drives it an average of 13,500 miles annually. LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.