Cheapest DUI car insurance by state & company

Car insurance with a DUI is more expensive, and may be harder to find. You'll likely need to find an insurer that will file an SR-22 for you to prove you have insurance, and can expect to pay higher rates for several years. USAA and Progressive have the cheapest average rates after a DUI.

Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.

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USAA and Progressive have the cheapest car insurance rates after a DUI, but rates vary by state.

DUI insurance refers to the increase in car insurance rates and requirements like filing an SR-22 after a DUI conviction. You don't need a different type of car insurance after a DUI, but it will be more expensive. The average cost of car insurance with a DUI is $3,655.

A DUI conviction can double your car insurance rates and carries several penalties, including losing your license, fines, probation or jail time. Finding cheap DUI insurance is challenging because you're considered a high-risk driver.

Below, we’ll cover how much car insurance rates increase with a DUI and how to find affordable car insurance.

Key takeaways

Cheapest DUI car insurance rates by company

Progressive offers drivers the cheapest car insurance rates after DUI at about $2,810 a year, followed by State Farm, which has an average annual cost of $2,905, based on a detailed data analysis by Insurance.com. USAA has the lowest rate after a DUI among the companies analysed, but it is only available to military families.

However, rates can vary significantly across different insurance providers, so it's recommended to shop around to find the best rate after a DUI. 

Shopping around is the best way to get a lower rate on DUI car insurance. Every insurance company will raise your rates after a DUI, but not all by the same amount. Below, you'll see the average rate increase across multiple car insurance companies after a DUI.

Data updated in 2024

Note: Data was sourced from Quadrant Information Services for a 40-year-old driver driving a Honda Accord LX with a 12,000-mile daily commute and 10,000 average mileage.

Cheapest DUI auto insurance rates by state

Car insurance after a DUI will also vary in cost by state. Based on Insurance.com's rates, Michigan is the most expensive state for drivers with a DUI conviction. The average car insurance increase after a DUI in Michigan is 156%. However, that’s not the largest increase. Rates go up by 310% on average in North Carolina, but rates in that state start much lower than in Michigan. Here are the average car insurance rates and rate increases for a full coverage policy by state.

Data updated in 2024

Methodology: Insurance.com gathered average rates in each state from Quadrant Information Services for a 2021 Honda Accord operated by a male/female driver, age 40, with 100/300/100 in liability coverage and $500 deductibles.

How much is DUI insurance per month?

The cost of DUI insurance coverage is around $305 per month, according to Insurance.com's data study. However, the actual cost you'll pay for DUI insurance depends on your specific circumstances.

After a DUI conviction, it's important to compare quotes from multiple insurance providers to find the most affordable coverage for your situation. Some companies specialize in high-risk insurance and may offer affordable DUI car insurance costs. 

Additionally, taking a defensive driving course can help lower your rates. But, the best way to avoid the high insurance premiums is to drive safely and responsibly, avoiding a DUI situation altogether.

How much does your insurance go up after a DUI?

A DUI can significantly impact your auto insurance rates. When insurance companies see a DUI on your driving record, they'll significantly raise your premiums at your next policy renewal. 

On average, car insurance rates could increase about 90% for drivers who have a DUI. That means the insurance cost could jump from $1,924 a year to $3,655 annually.

DUI rates are based on many factors, including your state. There isn't one best insurance company for drivers with a DUI. You'll have to shop around.

Below, we’ll look at some rates from top companies based on a full coverage policy with limits of 100/300/100 and a $500 deductible. As you can see, shopping around can make a big difference if you have a DUI.

What is DUI insurance?

There is no specific type of insurance called DUI insurance. The term generally refers to auto insurance after a DUI, which can be expensive and may be difficult to find in some cases.

Your car insurance rates will increase significantly after you have been convicted of a DUI. You’ll probably also have to file an SR-22, which is a form that proves you have the legally required car insurance. If this is not your first DUI, or you have other problems with your driving record, you may need to look at high-risk car insurance companies.

However, nothing else about your coverage will change unless you choose to make changes to reduce your rates.

How to get cheap auto insurance after a DUI

High-risk drivers pay more for car insurance. You can look for cheaper DUI insurance rates with these tips:

Impaired driving laws by state

Governors Highway Safety Administration; as of April 2022

Auto insurance FAQs

How long does a DUI affect insurance?

Insurance company guidelines, governed by state laws, dictate how long your DUI conviction will affect your rates. On average, a DUI will raise your car insurance rates for three years.

If your state keeps the offense on your record longer than three years, and many do, it's common for this offense to affect your car insurance rates for five to seven years or more. For instance, in California, a DUI prevents you from receiving a 20% safe-driver discount for 10 years from the date of your DUI conviction.

How do insurance companies find out about a DUI?

Car insurance companies run your driving record on renewal and will find any new convictions at that time.

Do you lose your driver’s license immediately with a DUI?

In most cases, yes. If you get a DUI or DWI in most states, your license will be suspended for a specific period. The length of the suspension can vary depending on your location and whether you have had a DUI in the past. You can find specific information about DUIs and suspended licenses on your state's DMV website.

Can you drive with a DUI before your court date?

Maybe. In many states, your license is suspended immediately, even before you are officially convicted. However, you may be able to apply for a hardship license while you await your court date.

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