Progressive provides the most affordable car insurance for New York drivers with a DUI, at monthly rates of $77 for state minimum coverage and $122 for full coverage. American Family, Kemper and State Farm also offer competitive rates for those with a DUI.
DUI Car Insurance in New York
Updated: June 26, 2025
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Key Takeaways
Through our research, we found that Progressive offers the cheapest New York DUI car insurance, at just $77 monthly.
For most drivers with a good credit score, average monthly costs are $207 for minimum coverage and $372 for full coverage.
After a DUI in New York, you must carry at least 25/50/10 liability, $50,000 no-fault personal injury protection (PIP), and matching uninsured/underinsured motorist coverage (25/50) and liability for death of $50,000.
Cheapest DUI Car Insurance in New York
| Progressive | $77 | $122 |
| American Family | $103 | $193 |
| Kemper | $104 | $187 |
| State Farm | $187 | $299 |
| Allstate | $208 | $404 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in New York
We understand that your profile may not match the ones we used for the table above. To help, we’ve outlined the most affordable car insurance for a DUI, considering factors like coverage level, age group, and credit score.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Progressive | $77 | $919 |
| American Family | $103 | $1,239 |
| Kemper | $104 | $1,252 |
| State Farm | $187 | $2,243 |
| Allstate | $208 | $2,496 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy New York law for most drivers.
How Much Does DUI Car Insurance Cost in New York?
DUI car insurance costs around $2,490 per year in New York, depending on your age, credit score, and coverage choice. A DUI can raise your rates by 49% on average compared to drivers without such infractions. We've detailed average costs by coverage level, credit score and age group.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| $207 | $2,490 | $69 | $824 | 49% |
*A 250/500/250 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy New York law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN NEW YORK
In New York, a DUI stays on your driving record for up to 10 years, but most insurers focus on violations from the past three to five years when calculating rates. While many insurers ease rates after three years of clean driving, some may factor in a DUI for the full 10-year period.
Additional Costs to Consider When Having a DUI in New York
It’s widely known that car insurance rates skyrocket after a DUI, but the total financial burden often gets overlooked. Here are the key items you should budget for:
- Fines and fees. A first-time DUI or DWAI fines in New York typically range from $500 to $1,000, but higher BAC levels, commercial licenses, or prior offenses can push fines to $2,000 to $10,000. On top of that, you'll be charged additional surcharges, victim‑assistance fees and local court costs.
- Towing/impound fee. If your vehicle is impounded after the arrest, expect towing costs between $100 and $200, and storage fees that might exceed $45 per day, depending on location and length of impoundment.
- Drug education and treatment. New York mandates enrollment in the Drinking Driver Program, which includes a $75 enrollment fee, a $225 program fee, and $50 for a suspension termination. Additional court-mandated screening or counseling could add another $100 or more.
- DMV reinstatement fee. To get your license back, you typically pay a $100 reinstatement fee, plus $100 for ignition interlock installation, and another $100 per month while the device is in use.
- Ignition interlock device. New York law requires IID installation for at least six months post-conviction. Installation usually costs $75 to $100, plus $70 to $100 monthly for monitoring and calibration.
- Attorney fees and damages. Hiring a DUI attorney and covering court costs can range widely, but most first-time cases fall between $1,500 and $5,000. If your DUI caused an accident, you’ll also be responsible for property damage or medical bills.
New York DUI Car Insurance Requirements
After a DUI in New York, you’re not required to file an SR-22 form unless you transfer to an out-of-state requirement. However, you must maintain at least the state’s minimum liability coverage: $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage. New York also requires $50,000 in PIP and uninsured/underinsured motorist coverage at $25,000/$50,000 and liability for death of
$50,000 per person. Your insurer may increase rates for three to five years based on the DUI.
Other New York DUI Laws to Know
New York requires more than just extra insurance after a DUI, drivers must also pay substantial fines, jail time, vehicle seizure and mandatory device installations.
Fines
For a first-time DUI, mandatory fines are between $500 and $1,000, and aggravated charges (like a BAC over 0.18%) raise this to $1,000–$2,500. Repeat or felony-level DUIs can result in even steeper fines. These amounts are separate from court surcharges, assessments, or DMV fees.
Imprisonment and release
First-offense DUI carries up to one year in jail in New York. Repeat offenders or those with high BACs face longer sentences that may exceed one year. After release, individuals often serve six months to a year of probation and may be required to install an ignition interlock device or attend a victim impact panel.
Impounding of vehicles
If you're arrested for a DUI, your vehicle can be immediately impounded, and in some cases, permanently forfeited. Law enforcement can seize your car under civil forfeiture laws, though you may request a hearing to challenge the impoundment and recover your vehicle.
Suspension periods
New York enforces a minimum six-month license revocation for first-time DUI convictions, with longer revocation periods for repeat or aggravated offenses. Restoration of your license requires meeting strict legal, administrative and financial requirements.
DUI education requirements
Anyone convicted of DUI in New York must complete a state-approved Drinking Driver Program, which may include alcohol education and substance abuse treatment. Attendance at a victim impact panel is often part of the process, and completion of all requirements is necessary for license reinstatement.
Ignition interlock device requirements
Under Leandra’s Law, anyone convicted of DUI must install an ignition interlock device. First offenses typically require at least six months of IID use; second offenses require one year, and third or subsequent convictions may require up to three years of monitored device use.
How to Get the Best Cheap New York Car Insurance With a DUI
Below we've highlighted strategies to help you find affordable car insurance in New York after a DUI. If you're denied coverage by traditional insurers, we’ll also walk you through alternative options to stay insured.
- 1
Understand your needs
A DUI in New York raises your insurance requirements and premiums, but it doesn’t always mean you should settle for the bare minimum coverage. Consider your budget, driving habits, and risk tolerance when adding more protection. We also provide an auto insurance coverage needs calculator to help you start.
- 2
Research costs and discounts
While there are no DUI-specific discounts, insurers often offer savings for things like requesting a quote online or paying in advance. New York drivers may also benefit from completing a defensive driving course, which typically costs around $35 and can lower your premiums by up to 10%.
- 3
Compare multiple providers
Get quotes from several companies and make sure you're comparing the same coverage levels to identify the best value accurately. Independent brokers and online quote tools can make this process faster and easier.
- 4
Use state high-risk car insurance programs if denied
If you’re unable to get coverage through traditional insurers, New York participates in the New York Automobile Insurance Plan (NYAIP). This high-risk program ensures that drivers with serious violations like DUIs can still obtain the legally required insurance coverage.
- 5
Make lifestyle or vehicle changes
One of the most effective ways to lower your rate is to increase your credit score, since drivers with better credit often pay less, even with a DUI on record. In New York, the difference in rates between drivers with good and poor credit can add up to thousands annually. You can also save by choosing a cheaper car to insure, such as a safe, reliable used vehicle.
- 6
Consider non-traditional coverage types
If you drive fewer than 7,000 miles per year, a pay-per-mile program may significantly reduce your costs. Usage-based insurance that tracks your driving habits can also offer discounts, sometimes as much as 40%.
Cheap DUI Insurance in New York: Bottom Line
For New York drivers with a DUI, the most affordable car insurance providers are Progressive, American Family and Kemper. While these are the best rates we found, we encourage you to compare rates to ensure you get the coverage you need at the best price.
DUI Insurance in New York: FAQ
Below are MoneyGeek's expert answers to common questions about DUI insurance in New York.
Who has the cheapest car insurance for New York drivers with a DUI?
For New York drivers with a DUI and good credit, Progressive offers the cheapest minimum and full coverage. However, for folks with poor credit, Kemper becomes the most affordable option for both full and minimum coverage.
How much does a DUI increase rates in New York?
In New York, a DUI can increase state minimum rates by an average of 49% and full coverage rates by approximately 53%.
How much does DUI car insurance in New York Cost?
In New York, DUI car insurance for minimum coverage averages $207 monthly. Full coverage cost is around $372 per month.
How We Chose the Cheapest Car Insurance for New York's DUI Drivers
To determine the top companies for drivers with DUIs in New York, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
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.
sources
- AIPSO. "New York Automobile Insurance Plan (NYAIP)." Accessed June 26, 2025.