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Get the Best Cheap DUI Car Insurance (2020 rates)

Getting a DUI can raise your car insurance rates by more than 80%. Learn how you can find cheap DUI insurance.

dui insurance rates

Getting a DUI leads to higher insurance rates for several years. And these rate increases are substantial: we found that DUI insurance is over 80% more expensive than insurance without a DUI. After looking at thousands of DUI insurance quotes across the country, we found that USAA, Progressive and American Family sell the cheapest DUI insurance. This article covers:

How much is DUI insurance?

A DUI can raise insurance rates by more than 80%, although the exact increase depends on the policy’s coverage limits. For a minimum-coverage policy, a DUI increases premiums by about $66 a month, for a total monthly premium of $141. A full-coverage policy costs an additional $140 a month after a DUI, totaling $308 per month.

dui insurance quote rates

These increases can lead to a noticeable financial strain. And when you consider the fact that a DUI affects your insurance for three years or more, it’s even worse. If you face inflated DUI insurance rates for three years, you’re paying an extra $2,379 for minimum coverage, or $5,055 for full coverage, during that time. That’s on top of what you were paying for insurance before the DUI.

Where to get the cheapest DUI insurance

If you’re looking for DUI insurance, some companies offer cheaper rates than others. We found that USAA, Progressive and American Family sell the cheapest DUI insurance policies. See how they stack up:

Cheapest DUI insurance companies
Insurance company Rate after a DUI
USAA $956
Progressive $1,094
American Family $1,158
State Farm $1,179
Allstate $1,1234
Farmers $1,367
Travelers $1,506
GEICO $1,740
Nationwide $1,963
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Keep in mind that rates vary from state to state. While one company’s national average rates may be cheaper than most, that may not be the case in your state. We recommend that you compare quotes from a variety of companies to find the cheapest DUI insurance rates.

DUI insurance can cost you hundreds a month if you don't compare quotes from different insurance companies.

Minimum car insurance with a DUI

We found that a minimum car insurance policy costs $898 per year with a clean record. After a DUI, that rate increases to $1,691. That’s an increase of 88%, which translates to an extra $66 a month.

Every state has legal insurance requirements, and the minimum policy is usually the cheapest policy you can purchase. In most states, it only offers liability coverage, which helps pay for damages you cause to other people and their property. Since each state has different legal minimums, DUI insurance rates for a minimum policy vary from state to state. See how rates look in your state:

DUI insurance rates for minimum coverage
State Annual rate with a DUI Annual rate with no DUI Increase after a DUI
Alabama $1,228 $623 $605
Alaska $1,117 $733 $384
Arizona $1,820 $1,002 $818
Arkansas $1,470 $795 $675
California $2,441 $1,002 $1,439
Colorado $1,675 $1,107 $568
Connecticut $2,485 $1,201 $1,284
Delaware $1,619 $889 $730
Florida $2,426 $1,320 $1,106
Georgia $1,954 $1,141 $813
Hawaii $1,475 $554 $921
Idaho $1,032 $531 $501
Illinois $1,561 $864 $697
Indiana $1,375 $723 $652
Iowa $709 $397 $312
Kansas $1,071 $608 $463
Kentucky $3,338 $1,603 $1,735
Louisiana $2,816 $1,392 $1,424
Maine $884 $472 $412
Maryland $1,838 $1,166 $672
Massachusetts $1,178 $633 $545
Michigan $5,694 $2,339 $3,355
Minnesota $2,081 $967 $1,114
Mississippi $1,424 $840 $584
Missouri $1,433 $832 $601
Montana $940 $492 $448
Nebraska $821 $487 $334
Nevada $1,773 $1,129 $644
New Hampshire $1,076 $556 $520
New Jersey $2,529 $1,405 $1,124
New Mexico $919 $512 $407
New Yotk $2,556 $1,452 $1,104
North Carolina $1,829 $459 $1,370
North Dakota $978 $522 $456
Ohio $1,214 $632 $582
Oklahoma $1,039 $716 $323
Oregon $1,753 $998 $755
Pennsylvania $1,370 $732 $638
Rhode Island $1,924 $1,231 $693
South Carolina $1,937 $1,216 $721
South Dakota $802 $481 $321
Tennessee $1,350 $694 $656
Texas $1,745 $1,155 $590
Utah $1,720 $917 $803
Vermont $950 $560 $390
Virginia $1,417 $773 $644
Washington $1,725 $962 $763
Washington, D.C. $2,049 $1,196 $853
West Virginia $1,192 $637 $555
Wisconsin $1,055 $619 $436
Wyoming $683 $397 $286
U.S. average $1,691 $898 $793
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance after a DUI

A full-coverage policy comes with higher liability limits, plus coverages for comprehensive, collision and personal injury. Naturally, it’s more expensive than minimum coverage. And that’s especially true after a DUI, which raises rates for full-coverage insurance by 84%, or an extra $140 per month. See how DUI insurance rates in your state compare to the national average:

DUI insurance rates for full coverage
State Annual rate with a DUI Annual rate with no DUI Increase after a DUI
Alabama $3,398 $1,764 $1,634
Alaska $2,374 $1,558 $816
Arizona $4,125 $2,223 $1,902
Arkansas $3,860 $2,307 $1,553
California $5,670 $2,319 $3,351
Colorado $3,696 $2,406 $1,290
Connecticut $4,553 $2,244 $2,309
Delaware $3,074 $1,723 $1,351
Florida $5,416 $3,207 $2,209
Georgia $4,013 $2,287 $1,726
Hawaii $3,357 $1,347 $2,010
Idaho $2,584 $1,392 $1,192
Illinois $3,365 $1,917 $1,448
Indiana $3,048 $1,617 $1,431
Iowa $2,253 $1,346 $907
Kansas $3,090 $1,798 $1,292
Kentucky $6,965 $3,575 $3,390
Louisiana $6,236 $3,387 $2,849
Maine $1,985 $1,097 $888
Maryland $3,463 $2,235 $1,228
Massachusetts $2,717 $1,473 $1,244
Michigan $9,044 $3,579 $5,465
Minnesota $3,822 $1,803 $2,019
Mississippi $3,532 $1,996 $1,536
Missouri $2,993 $1,780 $1,213
Montana $2,922 $1,780 $1,142
Nebraska $2,394 $1,396 $998
Nevada $3,702 $2,219 $1,483
New Hampshire $2,280 $1,329 $951
New Jersey $4,531 $2,461 $2,070
New Mexico $2,870 $1,697 $1,173
New Yotk $4,511 $2,610 $1,901
North Carolina $3,949 $964 $2,985
North Dakota $3,123 $1,602 $1,521
Ohio $2,846 $1,532 $1,314
Oklahoma $2,992 $1,963 $1,029
Oregon $3,158 $1,834 $1,324
Pennsylvania $3,548 $1,943 $1,605
Rhode Island $3,790 $2,329 $1,461
South Carolina $3,612 $2,196 $1,416
South Dakota $2,808 $1,785 $1,023
Tennessee $3,423 $1,782 $1,641
Texas $3,984 $2,793 $1,191
Utah $3,262 $1,753 $1,509
Vermont $2,540 $1,342 $1,198
Virginia $3,138 $1,772 $1,366
Washington $3,221 $1,895 $1,326
Washington, D.C. $4,299 $2,527 $1,772
West Virginia $3,012 $1,595 $1,417
Wisconsin $2,568 $1,453 $1,115
Wyoming $2,751 $1,528 $1,223
U.S. average $3,699 $2,014 $1,685
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

How to get cheap insurance if you have a DUI

While a DUI almost guarantees that you’ll pay more for car insurance, there are steps to take to ensure that you’re getting the cheapest DUI insurance available.

The most important thing you can do to get cheap DUI insurance is shop around and compare DUI insurance quotes from different companies. As we showed earlier, each insurer sets its own rates after a DUI, and some offer cheaper policies. Specifically, we found that USAA, Progressive and American Family offered the cheapest DUI insurance.

Every insurance company charges different rates for DUI insurance. If you don't compare quotes, you're probably overpaying.

After comparing quotes, check for any discounts. Most car insurance companies offer a variety of discounts. That includes discounts for bundling, veterans, students, insuring multiple cars and more.

You can also work on bettering your insurance score. If you lower your credit score and avoid additional driving infractions, your insurance score should improve. Insurance companies typically charge lower rates to drivers with good insurance scores.

Finally, reassess your coverage levels. If you feel like your premium is too high, you can increase your deductible and lower or remove certain coverages. You’ll end up with a cheaper rate. Of course, you get what you pay for: cheaper rates tend to come with less coverage.

What else you need to know about DUI insurance

A DUI stays on your insurance record for three years, in most cases. You will likely pay higher insurance rates during that period. A driving record is a different story: in most states, a DUI stays on your driving record for five to 10 years.

If you get a DUI, you may need to file an SR-22 (or an FR-44, in some states). It’s a document provided by your insurer that proves to the state that you have the legal minimum insurance. Each state has different requirements:

  • California usually requires drivers to maintain an SR-22 for three consecutive years.
  • Florida drivers need to file an FR-44, which is similar to an SR-22, but specifically for DUIs.
  • Texas drivers must maintain SR-22 coverage for two years from the date of the DUI conviction.

It’s also advised that you hire a lawyer to help you navigate a DUI charge. Our cost-benefit analysis of hiring a DUI lawyer found that you’re three times more likely to get a DUI charge reduced with the help of a lawyer. The savings on insurance and court fines can more than pay for a lawyer.

Methodology

We gathered more than 30,000 car insurance quotes across the country through Quadrant Information Services for this driver profile:

  • 30-year-old male
  • Single
  • Drives a 2012 Honda Accord LX

We chose this driver profile because their age and vehicle represent a low insurance risk.

In each state, we selected five random ZIP codes and requested quotes for every auto insurance company operating in that state for each of those ZIP codes. We removed obvious outliers on either end of the cost spectrum.

Minimum-coverage rates are based on each state’s specific minimum insurance requirements. Full-coverage quotes are based on these coverages:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability
  • Comprehensive and collision coverages with a $500 deductible
  • $10,000 in personal injury protection, if available
  • $50,000 uninsured/underinsured motorist coverage per person
  • $100,000 uninsured/underinsured motorist coverage per accident

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