Updated: November 21, 2024
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Drivers looking for the cheapest Alabama car insurance after a DUI should consider Allstate. The company provides the cheapest average rates for both full coverage and the state’s minimum coverage level. However, balancing cost and quality service, the best car insurance provider for DUI offenders seeking either full coverage or minimum coverage in Alabama is State Farm.
In Alabama, the two cheapest providers for full coverage car insurance after a DUI are Allstate, at $1,150 per year, and State Farm, at $1,345 per year.
In Alabama, the top two cheapest providers for minimum coverage car insurance after a DUI are Allstate at $659 per year and State Farm at $664 per year.
In Alabama, State Farm is the best provider for full coverage insurance after a DUI, offering a balance of affordability and quality service at an annual cost of $1,345, with notable high scores in customer satisfaction and financial stability.
Regardless of which state you’re in, car insurance providers can legally deny coverage for DUI offenders. This is true for insurance providers in Alabama. Insurers that agree to give you coverage will usually increase your car insurance premiums after a DUI conviction.
DUI offenders in Alabama should expect to pay around 70.18% more than the average driver. This increase is due to the probability of DUI offenders filing more claims, based on past records.
Alabama DUI laws revoke the driver’s license and driving privileges after a DUI offense. Drivers are required to install ignition interlocks in their vehicles and pay increased penalties after repeat offenses.
Nationally, the cheapest car insurance providers after a DUI are Progressive and State Farm. In Alabama, the cheapest option is Allstate, followed by State Farm.
Drivers in Alabama looking for the cheapest full coverage policies should look into the following car insurance providers for drivers with a DUI:
Policies from USAA cost an average of $1,290 per year for drivers with a DUI on their record. It is the second cheapest post-DUI car insurance in Alabama, but it is exclusive to military members and their families.
| 1 | Allstate | 115,000% |
| 2 | USAA | 129,000% |
| 3 | State Farm | 134,500% |
| 4 | Country Financial | 159,100% |
| 5 | Farmers | 163,900% |
If you only require minimum coverage, the following insurance companies have the cheapest policies after a DUI in Alabama:
USAA offers the cheapest minimum car insurance for drivers with a DUI at an average of $574 per year, but its policies are only available to military members and their families.
| USAA | $574 |
| Allstate | $659 |
| State Farm | $664 |
| GEICO | $805 |
| Country Financial | $808 |
| Nationwide | $822 |
| Travelers | $854 |
| Progressive | $878 |
| Farmers | $922 |
| ALFA | $1,553 |
| MetLife | $2,481 |
Each state has a certain coverage requirement that drivers must meet in order to legally drive. Although a state minimum coverage is the cheapest option, it is usually not enough to cover major damages. Determining how much car insurance you need ensures that you are fully
MoneyGeek identified the top car insurance companies in Alabama after a DUI by looking at a combination of affordability, customer satisfaction, financial stability, and more. In Alabama, State Farm offers the best car insurance coverage for someone with a DUI for both full and state minimum coverages.
The best car insurance companies for a full coverage policy after a DUI in Alabama are State Farm and GEICO. MoneyGeek reviews both companies in the table below.
A full coverage policy from State Farm for a driver with a clean record costs $1,235 per year on average. This increases by 8.95% for DUI offenders, paying an average of $1,345 per year.
Available in all 50 states, State Farm offers affordable policies and is considered a top-rated car insurance provider with the largest market share across the country.
GEICO’s full coverage policies cost $827 per year on average. Having a DUI violation on your record more than doubles this rate to around $1,730 per year.
GEICO is another top-rated insurance provider which offers policies across all 50 states. GEICO offers various unique discounts to its policyholders.
Offering the best rates for minimum coverage, the top car insurance companies in Alabama after a DUI conviction are State Farm and GEICO. Although minimum policies are the cheapest in the state, they often do not provide enough coverage for most drivers.
Drivers with a DUI on record will pay around $664 per year for a minimum coverage policy. That is about 10% more than the rates for the average driver at about $604 per year.
State Farm offers its policies across 50 states. Recording high financial stability ratings means State Farm is one of the best options available.
Without a DUI record, a minimum coverage policy from GEICO costs an average of $375 per year. Rates more than double for DUI offenders, who will pay around $805 per year.
GEICO, which is available in all 50 states, is known for offering some of the cheapest policies for many types of drivers.
A full coverage policy in Alabama for drivers with a clean record costs an average of $1,171 per year. After a DUI violation, rates increase by about 70.18%, which means DUI offenders will pay around $1,993 per year for the same coverage. Rates for DUI drivers are generally higher due to the risk they pose on the road. Risky drivers tend to file more claims than the typical driver.
Below is a comparison of full coverage car insurance before and after a DUI in Alabama.
How long does a DUI affect the cost of your car insurance?
A state’s look-back period refers to the length of time a DUI violation stays on someone’s record. Alabama’s look-back period is 10 years. Look-back periods are usually this long to avoid repeat offenders. When a driver commits another DUI violation before the end of this term, it is considered a second offense. A second offense will make the court consider the offender to be a repeat offender and a riskier driver. In Alabama, the look-back period increases if the driver commits another drunk driving offense.
Full Coverage
$1,171
Full Coverage
$1,993This is 70% more expensive.
Car insurance premiums will generally increase after a DUI. MoneyGeek’s car insurance calculator makes use of personal details, such as age, driving record, vehicle information and preferred coverage. You can use our tool below to get an estimate of your car insurance cost.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
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Aside from higher insurance costs, a DUI conviction has significant financial consequences. The following are some examples:
Obtaining car insurance after a DUI might be difficult considering insurance providers are legally allowed to refuse coverage. Car insurance providers that do offer policies to drivers with a DUI will sell them at higher rates. This is why comparing quotes is an important step when buying a policy. Taking a look at various options can help you get the rates that best match your profile and needs.
Drivers in Alabama with DUI convictions are required to file an SR-22 if they wish to get their license reinstated. An SR-22 form signifies that the driver has a policy that meets the minimum required coverage in the state.
Loss of driving privileges and court-ordered punishments like jail time are just some of the consequences drivers face under DUI laws. The first offense in Alabama receives the least severe DUI penalties. However, repeated DUI offenses within the look-back period mean more jail time and larger potential fees.
Driving with a BAC at or above 0.08 is considered a DUI
In Alabama and most other states, a blood-alcohol level of 0.08 is enough to book you for a DUI. Even if your BAC is below 0.08, you can still be arrested if your driving seems impaired.
Driving with a BAC of 0.15 will result in increased penalties
First-time DUI offenders with a blood-alcohol level of 0.15 or higher will have their license suspended for 90 days, have an ignition interlock installed on their car for two years, and pay a penalty double the amount of those that are under the 0.15 threshold.
90-day administrative license suspension on first offense
Under Alabama law, your driving privileges will be temporarily suspended when you commit a driving-related offense. The revocation period is 90 days for the first DUI offense and longer for subsequent offenses.
Ignition interlocks are mandatory for repeat and high-BAC DUI convictions
In Alabama, DUI offenders with either a high BAC or a previous DUI conviction are required to install an ignition interlock in their vehicles, which disables the engine when it detects alcohol in the driver’s breath.
Open container laws
An open container violation is considered a Class D misdemeanor in Alabama. While it does not mandate any jail time, drivers who violate this law will be charged a fee of at least $25.
Repeat offender laws
Habitual offenders are subject to longer jail time and higher fees. Repeat offenders may also have their licenses revoked for five years or longer.
Obtaining car insurance after a DUI violation is a lot more complicated than getting a policy with a clean record. To help drivers with similar cases, MoneyGeek answered frequently asked questions about car insurance after a DUI in Alabama.
Alabama car insurance providers are legally allowed to refuse coverage if you have a DUI conviction because of added risk. Some insurers offer coverages but with higher fees.
In Alabama, car insurance premiums increase by around 70.18% when you have a DUI on your record. The average car insurance policy for a driver with a clean record costs $1,171 per year. Drivers with a DUI could end up paying around $1,993 per year for the same coverage.
Drivers looking for insurance after a DUI should consider Allstate as its offers the cheapest rates for both full or state minimum coverage. However, State Farm is the best car insurance provider after a DUI for both full and minimum coverage policies.
In Alabama, the look-back period (the minimum length of time a DUI conviction stays on someone’s record) is 10 years.
Because your car insurance rates are likely to increase as a result of a DUI, it pays to shop around for the best and cheapest car insurance rates for drivers with a DUI conviction.
To determine the top companies for individuals with DUIs in Alabama, 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 12,000 annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
