Cheapest Car Insurance After a DUI (2025)

Q: What is the best car insurance company after a DUI?

State Farm is the best DUI insurance provider overall , offering a solid balance between costs ($1,231 per year) and customer satisfaction ratings.

State Farm offers the best and cheapest insurance for drivers with a DUI at $1,231 per year for full coverage and $614 for minimum coverage.

Find out if you're overpaying for car insurance below.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Venus Zoleta

Updated: January 28, 2025

Advertising & Editorial Disclosure

Key Takeaways

A DUI significantly increases car insurance premiums, but specialized insurers can offer more affordable options for high-risk drivers.

Military-affiliated drivers and their families can normally get the cheapest car insurance after a DUI.

Maintaining a clean driving record after a DUI can help reduce premiums over time and improve discount eligibility.

What Is the Best Cheap Car Insurance After a DUI?

State Farm offers the best and cheapest DUI (driving under the influence) insurance for minimum and full coverage policies.

However, any DUI, driving while intoxicated (DWI) or operating while intoxicated (OWI) violation will likely lead to significant rate increases. Also, insurance companies may adjust their prices accordingly if you need an SR-22 or FR-44 certificate to reinstate your driving privileges.

We've compared rates from various insurance providers to highlight the best and most affordable options. Check out our methodology to understand our research process and read our buying guide for tips on effectively reducing costs and comparing rates.

Cheapest Car Insurance After a DUI

State Farm offers the most affordable minimum and full coverage car insurance after a DUI at $614 and $1,231 per year, respectively. On average, State Farm's full coverage policy is much cheaper than the average premiums after a DUI.

Compare monthly and annual premiums from major insurance providers by age group and coverage level below:

Data filtered by:Results filtered by:

Age Group

Select

Age Group:30-59

Coverage

Select

Coverage:100/300/100 Full Cov. w/$1,000 Ded.


State Farm	$1,231	$103
Progressive	$1,448	$121
Farmers	$1,656	$138
Allstate	$1,695	$141
Travelers	$1,729	$144
Nationwide	$1,888	$157
GEICO	$2,464	$205

SHOULD YOU GET MINIMUM OR FULL COVERAGE AFTER A DUI?

Minimum coverage provides an affordable option that meets state-required liability limits. However, drivers with a record, such as a DUI, may pay significantly higher premiums — sometimes nearly double the rate of a clean driver.

While the DMV doesn't mandate full coverage insurance, drivers with a history of violations may be required to sign up for SR-22 or FR-44.

Cheapest Car Insurance After a DUI by State

The cheapest DUI insurance provider depends on state laws, population and weather. However, State Farm is the most affordable in most states.

See the table below for a breakdown of the cheapest DUI insurance providers by state and age group.

Data filtered by:Results filtered by:

age_range

Select

age_range:30-59

coverage

Select

coverage:Full Coverage


Alabama	State Farm	$953	$79
Alaska	State Farm	$789	$66
Arizona	Root	$754	$63
Arkansas	State Farm	$699	$58
California	National General	$1,280	$107
Colorado	American National	$806	$67
Connecticut	State Farm	$1,031	$86
Delaware	State Farm	$1,033	$86
District of Columbia	Progressive	$1,206	$101
Florida	State Farm	$1,190	$99
Georgia	COUNTRY Financial	$1,094	$91
Hawaii	State Farm	$690	$57
Idaho	State Farm	$412	$34
Illinois	American Family	$844	$70
Indiana	American Family	$706	$59
Iowa	State Farm	$547	$46
Kansas	State Farm	$922	$77
Kentucky	State Farm	$927	$77
Louisiana	State Farm	$1,391	$116
Maine	State Farm	$627	$52
Maryland	Progressive	$1,041	$87
Massachusetts	State Farm	$875	$73
Michigan	Chubb	$961	$80
Minnesota	State Farm	$862	$72
Mississippi	State Farm	$898	$75
Missouri	State Farm	$1,034	$86
Montana	Progressive	$520	$43
Nebraska	American National	$571	$48
Nevada	State Farm	$1,050	$87
New Hampshire	Concord Group	$949	$79
New Jersey	Plymouth Rock	$1,011	$84
New Mexico	State Farm	$741	$62
New York	Progressive	$1,034	$86
North Carolina	National General	$2,043	$170
North Dakota	State Farm	$680	$57
Ohio	American Family	$619	$52
Oklahoma	State Farm	$718	$60
Oregon	State Farm	$791	$66
Pennsylvania	State Farm	$827	$69
Rhode Island	State Farm	$700	$58
South Carolina	American National	$649	$54
South Dakota	State Farm	$868	$72
Tennessee	State Farm	$622	$52
Texas	Mercury	$1,218	$101
Utah	State Farm	$1,004	$84
Vermont	State Farm	$527	$44
Virginia	State Farm	$812	$68
Washington	PEMCO	$881	$73
West Virginia	State Farm	$985	$82
Wisconsin	State Farm	$677	$56
Wyoming	State Farm	$808	$67

HOW EACH STATE TREATS DUI, DWI OR OWI OFFENSES

Each state handles DUI, DWI and OWI violations differently. In some states, a DUI remains on your driving record for life and can't be removed. Out-of-state violations can also lead to penalties in your home state. These offenses rank among the most serious driving violations nationwide.

Cheapest Car Insurance for Military Drivers After a DUI

USAA offers the cheapest minimum coverage insurance for military-affiliated drivers and their families at $522 annually. State Farm offers the lowest full coverage rate at $1,231.

Some insurance companies may also offer discounts on auto insurance for active-duty military members, veterans and their family members with a DUI.

Use the table below to find the cheapest insurer for military drivers with a DUI:

Data filtered by:Results filtered by:

Age Group

Select

Age Group:30-59

Coverage

Select

Coverage:100/300/100 Full Cov. w/$1,000 Ded.


State Farm	$1,231	$103
USAA	$1,258	$105
Progressive	$1,448	$121
Farmers	$1,656	$138
Allstate	$1,695	$141
Travelers	$1,729	$144
Nationwide	$1,888	$157
GEICO	$2,464	$205

Best Car Insurance After a DUI

These are the top providers for full coverage car insurance after a DUI:

State Farm: MoneyGeek Score of 89 out of 100 ($1,231 per year)
Travelers: MoneyGeek Score of 89 out of 100 ($1,729 per year)
Progressive: MoneyGeek Score of 88 out of 100 ($1,448 per year)

State Farm provides the best insurance for drivers with a DUI, followed by Travelers and Progressive. MoneyGeek ranked providers based on affordability, customer satisfaction, financial stability and other key factors.

DEALS FOR VETERANS

Some insurers offer veterans special deals, such as lower rates, waived fees or special coverage options. Depending on the provider, veterans may also be eligible for discounts based on their age, driving record and other factors.

To get the best deal, compare discounts from a few of the best and cheapest car insurance providers for military families and veterans. Read the fine print to identify any limitations and exclusions.

Auto Insurance With a DUI: Buying Guide

To find the best full coverage policy for your needs, review the sections below for guidance. These tips can help you identify affordable insurance options tailored to your situation.

How Getting a DUI Affects Your Car Insurance

Being labeled a high-risk driver can result in higher premiums, fewer coverage options and policy cancellations. You may also need to file an SR-22 or FR-44 (required only in Florida and Virginia) and face challenges finding new coverage.

The impact of a DUI varies based on factors like state regulations, your insurer and the severity of the offense. Below is a quick overview of how a DUI can affect your car insurance.

Increased insurance rates

After a DUI, insurers may consider you a high-risk driver, meaning they see you as more likely to file a claim, whether from another accident or DUI. To offset this risk, your premium may increase. The surcharge on insurance for high-risk drivers typically lasts three to five years, depending on your provider and state regulations.

Limited coverage

Because you’re considered a high-risk driver, providers may offer you minimum coverage only, not wanting to cover comprehensive and collision damage on your policy.

Policy cancelation or non-renewal

Depending on the severity of your DUI infraction, some insurers may cancel your policy mid-term or not renew it at the end of the policy term. You may receive significantly higher premiums and different coverage terms if you can renew your policy.

Difficulty finding insurance

After a DUI, some insurers may refuse coverage due to your high-risk status, making it harder to find insurance. If you can't find a provider, consider companies specializing in non-standard auto insurance, catering to high-risk drivers.

SR-22 or FR-44 filing requirement

After a DUI conviction, you may need to file an SR-22 or FR-44 form, which your insurer will submit to prove you meet your state’s minimum coverage requirements. An FR-44 is required in Florida and Virginia and has higher liability coverage requirements than an SR-22. Filing either form can raise your rates, as it signals a serious driving violation or repeated offenses.

OTHER POTENTIAL CONSEQUENCES OF A DUI

A DUI can affect your car insurance in many ways, but it may also:

Lead to jail time
Require you to pay legal fees and court costs
Involve fees to reinstate a suspended driver's license and state registration

You could be liable for a large financial settlement if you caused a serious accident or one resulting in injuries or fatalities. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

How Much Does Insurance Increase After a DUI?

A DUI on your record can raise your car insurance premium significantly. On average, it costs $808 more per year than for drivers with a clean record. Providers charge higher rates to offset the increased risk of accidents and claims associated with DUI convictions.

Full Coverage Car Insurance Premium Comparison Based on Driving Record

Clean Driving Record

Annual Premium

$1,054

After a DUI

Annual Premium

$1,862

Car insurance premiums after a DUI are on average:$808 more

This is 77% more expensive.

Insurance costs increase significantly after a DUI, but the exact amount depends on several factors:

Severity of the offense: A first-time DUI typically has a lower impact than a second or third offense.
Driving history: Past violations like speeding tickets or at-fault accidents can lead to higher premiums.
Age and gender: Younger drivers, especially teens, often pay more due to less experience.
Vehicle type: High-risk vehicles, such as sports cars or very old cars, can raise rates.
Location: Crime rates and population density in your area also affect premiums.

Use the table below to compare premiums for different driving records and age groups to see how these factors impact rates.

Average Cost of Car Insurance After a DUI

Data filtered by:Results filtered by:

Age Group

Select

Age Group:30-59

Driving Violation

Select

Driving Violation:DUI


State Minimum Liability Only	$867	$72
100/300/100 Full Cov. w/$1,000 Ded.	$1,862	$155
300/500/300 Full Cov. w/$1,000 Ded	$2,022	$168
100/300/100 Full Cov. w/$500 Ded.	$2,055	$171
300/500/300 Full Cov. w/$500 Ded.	$2,214	$185

How Do Insurance Companies Find Out About Your DUI?

Your insurer will learn about your DUI conviction when it accesses your DMV records or when you file an SR-22 or FR-44 form. Insurers regularly check your driving history to assess risk when you apply for or renew a policy. Your motor vehicle record (MVR) includes key details like your driving history, license status and violations, including DUIs. Filing required forms, such as an SR-22 or FR-44, ensures your insurer is informed.

Be honest about a DUI when discussing insurance options. Failing to disclose it could lead to policy termination or issues with claims.

You don’t have to stay with your current insurer if premiums increase. If your insurer’s renewal offer is too high, having alternatives can help you secure a better deal. Compare quotes from at least three providers to find affordable coverage. You can switch car insurance companies anytime during your policy term if you find a better rate.

WILL YOU NEED A HIGH-RISK INSURER AFTER A DUI?

Obtaining coverage from a standard insurer may not be feasible after a DUI. You may need to find a high-risk insurer that specializes in covering DUI-convicted drivers. Your base premium (without discounts applied) could be double or more than a driver with a clean record. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

How to Lower Your Car Insurance Premium After a DUI

Lowering your car insurance rates after a DUI takes time, but you can find more affordable coverage with extra effort. Consider these steps:

1
Start shopping immediately
The sooner you start looking for coverage after a DUI, the more time you’ll have to find cheap minimum insurance, as not all providers will insure you.
2
Look for discounts
Look for providers who offer discounts you can qualify for, such as bundling, multi-vehicle, pay in full, good student and paperless billing.
3
Lower your coverage
You may have to settle for less coverage or higher deductibles. Decide what you need and look at different types of coverage.
4
Compare quotes
Comparing quotes lets you review your options objectively and choose what’s best for you. Get quotes from at least three different companies.
5
Complete DUI classes or programs
Check with your insurer to see if completing state-certified DUI classes or programs can earn you a discount. Taking defensive driving courses shows insurers you're actively working to become a safer driver.
6
Improve your driving record
Commit to driving safely and keeping your record clean after a DUI. Safe driving habits will gradually reduce your risk profile to insurers and lower your rates.
7
Look before you renew
Before renewing your policy, gather quotes from a few other providers. You might find a cheaper or better policy after shopping around. Once you've secured coverage, review your policy and shop for better rates every six months to a year. As time passes and your record improves, you may qualify for lower premiums.
8
Consult an insurance agent
If you're having trouble getting affordable insurance, consider consulting an agent familiar with companies that insure high-risk drivers.

DUI Car Insurance: Bottom Line

State Farm, Travelers and Progressive offer high-risk drivers the best and cheapest insurance options. However, comparing policies from other providers can help you find the best fit. You can also save money by maintaining a clean driving record, completing defensive driving courses and using available discounts. While your premiums will likely be higher after a DUI, staying patient and keeping a clean record will help lower your rates over time.

Car Insurance After a DUI: FAQ

Navigating auto insurance after a DUI can be tricky. Our answers to common questions about DUI insurance can help clarify the process.

What is the cheapest car insurance for people with a DUI?

State Farm offers the cheapest DUI insurance for minimum coverage at $614 and full coverage at $1,231 per year. For military drivers seeking DUI insurance, USAA is the most affordable at $522 for minimum coverage.

What is the best car insurance company after a DUI?

State Farm is the best DUI insurance provider overall, offering a solid balance between costs ($1,231 per year) and customer satisfaction ratings.

How much does your insurance go up after a DUI?

A DUI on your record can raise your insurance costs by an average of $808 more annually. Drivers with clean records pay an average of $1,054 annually for coverage, while drivers with a DUI pay $1,862.

However, in some cases, rates can double or even triple depending on factors like previous infractions, age and the severity of the charges.

How long does a DUI affect your car insurance?

A DUI can affect your insurance in many ways: increased insurance rates, policy cancelation or non-renewal, limited coverage and difficulty finding a provider. You may also be required to get an SR-22 or FR-44.

How can people with a DUI save money on their auto insurance policy?

You can take steps to reduce your policy cost after a DUI. One way is to compare quotes from different insurers, as some are more lenient with rate increases. You may also qualify for discounts by completing a defensive driving course or installing an ignition interlock device in your car.

Cheap Car Insurance for DUI: Methodology

Study Overview

MoneyGeek analyzed auto insurance quotes for a sample driver profile to determine the best and most affordable options after a DUI. Since costs vary by location, our recommendations focus on the lowest rates insurers offer across states. We also scored providers based on affordability, customer satisfaction and complaints to select the best car insurance after a DUI conviction.

Our ranking system considers affordability, customer satisfaction, financial stability and other factors to identify the best and cheapest car insurance options at the national and state levels.

Data Sources and Depth

MoneyGeek used AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC) evaluations. We analyzed around 529,578 quotes from 67 companies across 897 ZIP codes, using data from state insurance departments and Quadrant Information Services.

Driver Profile

To find the cheapest rates after a DUI, we used the following average driver profile:

40-year-old male
DUI with a blood alcohol content (BAC) of .08% or higher
2012 Toyota Camry LE
12,000 miles driven annually

We modified this profile as needed for different scenarios, including variations in driving record, location and military status. Our sample driver profile remains consistent unless specified, with only the evaluated factor being adjusted.

Coverage Levels and Deductibles Explained

Full coverage insurance includes comprehensive and collision coverages, each with a deductible that applies when filing a claim for vehicle damages, such as in an accident or weather-related incident. After paying the deductible, the policy covers repair or replacement costs. Minimum coverage, however, doesn't have a deductible. Full coverage provides the best financial protection as it covers your vehicle’s damage and injuries/damages you cause to others.

For our sample driver with a DUI, we used a full coverage policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage. These limits represent:

$100,000 in bodily injury liability per person
$300,000 in bodily injury liability per accident
$100,000 in property damage liability per accident

Learn more about MoneyGeek’s auto insurance methodology.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.

Read Full Bio »

Cheapest Car Insurance After a DUI (2025)

Key Takeaways

Compare Auto Insurance Rates

What Is the Best Cheap Car Insurance After a DUI?

Cheapest Car Insurance After a DUI

Cheapest Car Insurance After a DUI by State

Compare Auto Insurance Rates

Cheapest Car Insurance for Military Drivers After a DUI

Best Car Insurance After a DUI

Compare Auto Insurance Rates

Auto Insurance With a DUI: Buying Guide

How Getting a DUI Affects Your Car Insurance

Increased insurance rates

Limited coverage

Policy cancelation or non-renewal

Difficulty finding insurance

SR-22 or FR-44 filing requirement

How Much Does Insurance Increase After a DUI?

Full Coverage Car Insurance Premium Comparison Based on Driving Record

Average Cost of Car Insurance After a DUI

How Do Insurance Companies Find Out About Your DUI?

How to Lower Your Car Insurance Premium After a DUI

Start shopping immediately

Look for discounts

Lower your coverage

Compare quotes

Complete DUI classes or programs

Improve your driving record

Look before you renew

Consult an insurance agent

DUI Car Insurance: Bottom Line

Car Insurance After a DUI: FAQ

What is the cheapest car insurance for people with a DUI?

What is the best car insurance company after a DUI?

How much does your insurance go up after a DUI?

How long does a DUI affect your car insurance?

How can people with a DUI save money on their auto insurance policy?

Cheap Car Insurance for DUI: Methodology