Updated: November 21, 2024
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If you’re looking for the best car insurance after being charged with driving under the influence of alcohol or drugs (DUI) in New York, State Farm is MoneyGeek’s pick for full and minimum coverage policies.
On the other hand, State Farm and Progressive tie for the most affordable full coverage insurer, while Allstate offers the cheapest minimum coverage. Compare prices for each policy type in the table below.
In New York, the two cheapest providers for full coverage car insurance after a DUI are State Farm and Progressive, both offering annual costs of $2,736.
For drivers with a DUI in New York seeking minimum coverage car insurance, MoneyGeek identifies Allstate at $1,674 per year and Progressive at $1,830 per year as the two most affordable providers.
In New York, State Farm emerges as the best full coverage provider after a DUI, with an annual cost of $2,736 and notable high scores in affordability, customer satisfaction, and stability.
Regardless of which state you live in, car insurance providers can legally refuse to cover drivers with a DUI conviction on their record. If your insurer chooses to continue your policy after you get a DUI, your rates will significantly increase. This is because drivers with a DUI are considered high-risk, which means they’re more likely to file a claim.
In addition to having your driver’s license suspended, MoneyGeek’s data shows that New York drivers with a DUI pay about 74% more for a full coverage insurance policy.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
In a nationwide comparison, MoneyGeek found that Progressive and State Farm provide the most affordable auto insurance policies after a DUI. But in New York, State Farm and Allstate offer the cheapest premiums for DUI-convicted drivers.
MoneyGeek’s data determined that the lowest full coverage car insurance rates for drivers with a DUI are the following:
Although USAA is the most affordable option at $2,642 per year, it’s only available to active military members, veterans and their families.
| 1 | USAA | $2,642 |
| 2 | State Farm | $2,736 |
| 3 | Progressive | $2,736 |
| 4 | Allstate | $3,092 |
| 5 | Erie | $3,224 |
According to MoneyGeek’s data, the following companies offer the cheapest minimum-coverage policies for DUI offenders in New York:
It’s worth noting that USAA offers the most affordable annual premiums at $1,536. However, its policies are limited to military members, veterans and their families.
| USAA | $1,536 |
| Allstate | $1,674 |
| Progressive | $1,830 |
| State Farm | $1,902 |
| Erie | $1,954 |
| Travelers | $2,704 |
| New York Central Mutual Fire | $2,832 |
| GEICO | $3,308 |
| Esurance | $4,815 |
| Nationwide | $4,992 |
| The General | $7,631 |
| MetLife | $12,311 |
When it comes to car insurance coverage, the cheapest option may not always be enough. Although New York law mandates that drivers only need the state’s minimum coverage, we recommend figuring out how much car insurance you need to protect yourself and your assets.
To help you find the best policy for your needs, MoneyGeek scored insurance companies based on affordability, financial stability and customer satisfaction. The best auto insurance company for someone with a DUI in New York is State Farm and Travelers.
For DUI offenders in New York, State Farm and Travelers are the top two providers for full coverage auto insurance. Dive into our rankings and read more about each insurer in the table below.
With State Farm, typical drivers pay $2,481 annually for full coverage insurance. In contrast, the average for DUI offenders jumps to $2,736, which is a 10% increase.
Available in all 50 states, State Farm is a top-rated auto insurance provider. Although they lack more unique coverages, State Farm is an affordable option for most drivers.
A Travelers full coverage policy costs approximately $3,482 per year for drivers with a clean record. Meanwhile, people with a DUI pay about $4,430 per year, a 27% increase.
Travelers is available in 31 states and features unique discounts and optional coverages. Although Travelers is modestly priced, it doesn’t offer coverage for better car replacement.
Although minimum coverage is the cheapest type of insurance, it might not fit everyone’s needs. MoneyGeek evaluated several auto insurance companies offering minimum coverage policies in New York and put our top picks in the table below.
Without a DUI, a minimum coverage policy from State Farm costs around $1,714 per year. On the other hand, DUI offenders pay roughly $1,902 annually, about a 10% increase.
State Farm provides rideshare insurance and discounts for students. Many drivers find their policies inexpensive. Unfortunately, State Farm doesn’t offer accident forgiveness.
For drivers with a clean record, a policy with Travelers can cost around $2,110 each year. However, those with a DUI pay about 27% more, $2,704 annually.
Travelers offers unique new vehicle and homeowners discounts. They also receive relatively few customer complaints. However, Travelers doesn’t allow you to modify your deductibles.
Average car insurance costs in New York increase about 74% after a DUI. The average price of a full coverage policy with a DUI conviction is $5,704 per year. By contrast, drivers in New York with no such violations pay roughly $3,282 for the same coverage.
In this section, MoneyGeek explains how and why your New York auto insurance rates may change after you get a DUI.
How long does a DUI affect the cost of your car insurance?
Depending on your state, a DUI conviction stays on your record for several years (also known as a “look-back period”). New York’s look-back period is 10 to 15 years. Look-back periods are lengthy to accommodate criminal sentencing for DUI drivers who are repeat offenders.
Full Coverage
$3,282
Full Coverage
$5,704This is 74% more expensive.
The cost of your New York auto insurance increases after a DUI because you’re considered a risky driver. Use MoneyGeek’s auto insurance calculator below to get a more tailored estimate of how your rates may change after a DUI.
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
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
In addition to rising car insurance rates, other DUI-related costs can reach thousands of dollars:
Some auto insurance companies refuse to cover drivers who have been convicted of a DUI. Because they are private businesses, insurance providers can legally choose to cancel or decline to renew the policies of DUI offenders.
Getting insurance in New York can be especially challenging since the look-back period extends to 15 years. However, it’s still possible to shop around, compare quotes and find the insurance company that will give you the best possible rate.
Apart from a DUI conviction, numerous factors — such as age, credit score and accident history — can render a driver high-risk. Because high-risk drivers often pay more expensive premiums, MoneyGeek identified the best and most affordable auto insurance companies for high risk drivers.
If you’re convicted of a DUI in New York, you could lose your driving privileges, pay fines and spend time in jail. Penalties are more severe for those who commit more than one alcohol or drug-related violation within 25 years.
Driving with a BAC at or above 0.08% is considered a DUI
Blood alcohol content (BAC) is the amount of alcohol in someone’s bloodstream.
The DUI BAC threshold in New York is 0.08%, but you can also be arrested with a lower BAC if your driving is noticeably impaired.
Driving with a BAC of 0.18% will result in increased penalties
Drivers caught with a BAC of 0.18% or above can be fined up to $2,000. They can also be imprisoned for one year or given both penalties.
License revocation for a first offense
If you are caught driving with a BAC of 0.08% or above, your license will be revoked for at least six months.
Ignition interlocks
Drivers must install interlocks that disable their car’s engine if alcohol is detected on their breath. New York makes this mandatory for all DUI convictions.
Finding the best auto insurance after a DUI conviction in New York can be complicated. MoneyGeek answered some commonly asked questions to help you through the process.
This depends on your insurance provider, so it’s best to ask them directly. New York state laws don’t require insurers to continue covering DUI offenders, meaning they can choose to cancel your policy or decline to renew it.
Rates after a DUI in New York will typically increase by 74%. The average annual cost of full coverage car insurance in New York is $3,282. This number goes up to $5,704 with a DUI conviction.
In New York, State Farm is the best and most affordable option for full coverage car insurance after a DUI. But if you’re shopping for the top-rated and cheapest minimum coverage auto insurers, MoneyGeek’s picks are State Farm and Allstate, respectively.
Because of New York’s look-back period, your auto insurance premiums could be more expensive for 15 years. But this depends on your unique situation.
When you have a DUI, finding the best insurance policy for you can be challenging. We recommend comparing quotes to find an insurer that caters to your specific needs.
To determine the top companies for individuals with DUIs in STATE, 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 12K 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.
