Updated: November 21, 2024
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State Farm is the cheapest widely-available insurer for Pennsylvania drivers with a DUI. Our research shows that State Farm also offers the best minimum coverage and full coverage policies for drivers with a DUI.
MoneyGeek found USAA to be the cheapest insurer offering full coverage and state-minimum policies to drivers with a DUI in Pennsylvania. However, USAA is only available to eligible military members and their families.
For Pennsylvania drivers with a DUI, the two cheapest providers for full coverage car insurance are USAA, costing $1,322 annually for eligible military families, and State Farm at $1,494 per year.
In Pennsylvania, the top two cheapest widely-available providers for minimum coverage car insurance after a DUI are State Farm at $719 per year and Allstate at $835 per year.
In Pennsylvania, State Farm is the best widely-available full coverage provider for drivers with a DUI, offering affordable rates at $1,494 annually while earning notable high scores in both customer satisfaction and financial stability.
Insurance providers are legally allowed to refuse coverage to drivers with a DUI on their record and providers set their own policies regarding the acceptance of drivers with a DUI. Some insurers will let you have coverage and charge higher rates for a policy because they consider you a risky driver. In Pennsylvania, you can expect to pay as much as 74% more for car insurance after a DUI, with rates increasing from $1,742 to $3,033.
In addition to higher rates for car insurance, you may also have to face jail time, license suspension, hefty fines, install an ignition interlock device in your vehicle and attend mandatory drug education programs.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Across the United States, State Farm and Progressive are the cheapest options for car insurance after a DUI. In Pennsylvania, State Farm and Allstate offer the most affordable widely-available policies to drivers with a DUI.
State Farm and Allstate are the cheapest companies offering full coverage policies to drivers with a DUI conviction.
USAA is the cheapest insurer in the state, providing full coverage policies to drivers with a DUI at an average of $1,322 per year. However, its policies are limited to military families.
| 1 | USAA | $1,322 |
| 2 | State Farm | $1,494 |
| 3 | Allstate | $1,824 |
| 4 | Erie | $2,031 |
| 5 | Esurance | $2,501 |
In Pennsylvania, State Farm and Allstate are the cheapest widely-available options for drivers looking for a state-minimum policy after a DUI.
While USAA is the cheapest option in the state for minimum coverage with an average annual cost of $499, it only offers policies to military members.
| USAA | $499 |
| State Farm | $719 |
| Allstate | $835 |
| Erie | $905 |
| Progressive | $1,191 |
| Esurance | $1,213 |
| Nationwide | $1,667 |
| Travelers | $1,729 |
| GEICO | $1,855 |
| MetLife | $5,165 |
While a minimum coverage policy costs less, it often doesn’t offer enough protection in the case of an accident. If you want the best policy that meets your needs, you can start by estimating how much insurance coverage you need.
MoneyGeek analyzed the customer satisfaction, affordability and financial stability ratings of different insurance companies. We found State Farm and Travelers to be the best options for drivers looking for full coverage car insurance in Pennsylvania with a DUI.
MoneyGeek explained the coverage details, discounts and other important information about State Farm and Travelers below.
State Farm’s full coverage insurance policy for drivers with a clean record costs an average of $1,370 per year. After a DUI conviction, this cost increases to an average of $1,494 per year, showing that a DUI can increase your policy’s cost by 9%.
State Farm has excellent customer complaints and financial stability ratings, and the company offers various discounts to policyholders. With State Farm, you can get a discount on your policy if you’re a student and a good driver. It also offers rideshare insurance. However, the company does not offer unique coverages like Original Equipment Manufacturer (OEM) coverage.
Travelers charges an average of $1,330 per year to drivers with a clean record. If you have a DUI on your record, the company will charge you an average of $2,843 per year. This shows that a DUI conviction can increase your car insurance costs by 114%.
Travelers is one of the best insurers for full coverage car insurance, as the company ranks well for customer complaints, financial stability and discounts. The company offers unique discounts like loyalty, new vehicle, homeowners and hybrid vehicle. It also offers several add-on coverages like roadside assistance, gap insurance, new car replacement and accident forgiveness.
While selecting a minimum coverage policy helps save money on car insurance payments, it’s usually not the best option as it does not provide sufficient coverage. MoneyGeek explained the average costs, policy details and other information about State Farm and Travelers below.
State Farm charges an average of $652 per year to provide minimum coverage to drivers with a clean record. After a DUI conviction, this cost increases up to an average of $719 per year, showing that a DUI can raise your car insurance costs by 10%.
Since State Farm offers several discounts and rideshare insurance to policyholders, the company is one of the best options for minimum coverage after a DUI conviction. It also has outstanding customer complaints and financial stability ratings. However, State Farm does not offer unique coverages like Original Equipment Manufacturer (OEM) coverage.
With Travelers, the average policy cost for drivers with a DUI is $1,729, while it’s only $825 per year for drivers with a clean record. It shows that the cost of a policy increases by as much as 109% after a DUI conviction.
Travelers is one of the best options if you’re looking for a state-minimum policy with a DUI. The company is rated reasonably well for customer complaints, financial stability and discounts. It offers many add-on coverages to policyholders, including roadside assistance, accident forgiveness, new car replacement and gap insurance.
Auto insurers charge an average of $3,033 per year for a Pennsylvania driver with a DUI, compared to $1,742 per year for someone with a clean record. Insurance companies charge higher rates because they consider you a high-risk driver after a DUI conviction. See the list below to compare full coverage car insurance costs before and after a DUI.
How long does a DUI affect the cost of your car insurance?
The look-back period tells you how long a driving offense like a DUI will stay on your record and affect insurance rates. In Pennsylvania, the look-back period is 10 years. Longer look-back periods help identify and prosecute repeat offenders.
Full Coverage
$1,742
Full Coverage
$3,033This is 74% more expensive.
Your insurance rates will significantly increase after a DUI conviction because the insurers will consider you a high-risk driver. MoneyGeek’s auto insurance calculator can help you get a personalized estimate of your car insurance costs based on your background and profile.
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.
A DUI conviction not only causes higher car insurance premiums, but it also has other financial implications as well:
Some insurers may refuse to insure you after a DUI conviction. As insurance companies are private businesses, they are legally allowed to do so. If the insurers offer you coverage, they'll charge higher rates. Drivers may also struggle to get car insurance because of the state's look-back period of 10 years. If you want the most affordable rates, it's best to compare quotes from different companies and choose those that fit your needs.
Because insurers will give you expensive rates after a DUI conviction, MoneyGeek researched the best and cheapest car insurance for high-risk drivers to help you find a policy that fits your needs.
There are many legal consequences of a DUI conviction, including hefty fines, mandatory jail time, installation of an ignition interlock device and attending a drug education program. MoneyGeek explained Pennsylvania’s DUI laws below.
Driving with a BAC at or above 0.08% is considered a DUI
Blood Alcohol Content (BAC) refers to the percentage of alcohol in your bloodstream. In Pennsylvania, it’s illegal to drive with a BAC greater than 0.08%. Even if you’re not over that threshold, the police can still arrest you if they think you’re not fit to drive the vehicle.
Driving with a BAC at or above 0.16% will increase penalties
In Pennsylvania, if drivers are found driving with a BAC greater than 0.16%, they’ll have to face jail time and hefty fines. The law also requires them to attend an alcohol highway safety school and comply with all drug and alcohol treatment requirements.
Limited driving privileges
Drivers with a suspended license in Pennsylvania can drive after obtaining an Occupational Limited License (OLL) or an Ignition Interlock Limited License (IILL).
Ignition interlocks are mandatory for high BAC (.10 or higher) and repeat convictions
Pennsylvania’s law requires drivers who are repeat offenders or found driving with a BAC greater than 0.10% to install and maintain an ignition interlock device in their car, which prevents them from driving if they have alcohol in their system.
Open container laws
In Pennsylvania, drivers and passengers are not allowed to carry open containers of alcohol in the car.
Repeat offender laws
Drivers who are habitual offenders in Pennsylvania will have their licenses revoked.
MoneyGeek analyzed and researched the following frequently asked questions about car insurance with a DUI conviction to help you understand how it works in Pennsylvania.
Your insurers can legally refuse to cover you if you get a DUI in Pennsylvania. However, it depends on the company. Some insurers may let you have a policy but charge significantly higher rates.
MoneyGeek’s data shows that your car insurance premiums can increase by as much as 74% after a DUI conviction in Pennsylvania, with rates increasing from $1,742 before a DUI and $3,033 after a DUI.
In Pennsylvania, the most affordable insurer is USAA. However, since it’s reserved for military families, the next-best option is State Farm. It’s also the best company in the state based on customer complaints, financial stability and affordability.
If you get a DUI in Pennsylvania, it will stay on your driving record for at least 10 years.
After a DUI conviction, most insurers will charge you significantly higher rates. It’s best to shop around and compare quotes to find the best rates.
To determine the top companies for individuals with DUIs in Pennsylvania, 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.
