- Cheapest DUI car insurance rates by company
- Cheapest DUI auto insurance rates by state
- How much is DUI insurance per month?
- How much does your insurance go up after a DUI?
- What is DUI insurance?
- How to get cheap auto insurance after a DUI
- Impaired driving laws by state
- Frequently asked questions: DUI and car insurance
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, at 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 analyzed, 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.
| Company | Average rate | Rate with one DUI | Dollar increase | Percent increase |
|---|---|---|---|---|
| USAA | $1,263 | $2,493 | $1,230 | 97% |
| Progressive | $1,984 | $2,810 | $826 | 42% |
| State Farm | $1,672 | $2,905 | $1,232 | 74% |
| Travelers | $1,867 | $3,253 | $1,386 | 74% |
| Nationwide | $1,530 | $3,412 | $1,882 | 123% |
| Geico | $1,356 | $3,598 | $2,242 | 165% |
| Farmers | $2,809 | $3,806 | $997 | 35% |
| Allstate | $2,510 | $5,040 | $2,529 | 101% |
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. Michigan is the most expensive state for drivers with a DUI conviction in our analysis of average rates. 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 base rates there are much lower than in Michigan. Here are the average car insurance rates and rate increases for a full coverage policy by state.
| State | Average rate | Rate with one DUI | Percent increase | Dollar increase |
|---|---|---|---|---|
| Alaska | $1,288 | $1,853 | 44% | $566 |
| Alabama | $1,517 | $2,369 | 56% | $852 |
| Arkansas | $1,483 | $2,449 | 65% | $966 |
| Arizona | $1,661 | $2,719 | 64% | $1,058 |
| California | $2,206 | $6,111 | 177% | $3,905 |
| Colorado | $1,977 | $3,009 | 52% | $1,032 |
| Connecticut | $1,455 | $2,588 | 78% | $1,132 |
| Washington, D.C. | $1,904 | $3,058 | 61% | $1,153 |
| Delaware | $1,751 | $2,728 | 56% | $977 |
| Florida | $3,008 | $4,073 | 35% | $1,065 |
| Georgia | $1,618 | $2,863 | 77% | $1,244 |
| Hawaii | $1,309 | $4,150 | 217% | $2,842 |
| Iowa | $1,241 | $1,792 | 44% | $551 |
| Idaho | $1,011 | $1,664 | 64% | $652 |
| Illinois | $1,364 | $2,375 | 74% | $1,010 |
| Indiana | $1,282 | $2,064 | 61% | $783 |
| Kansas | $1,493 | $2,500 | 67% | $1,007 |
| Kentucky | $1,865 | $3,209 | 72% | $1,344 |
| Louisiana | $3,197 | $5,015 | 57% | $1,818 |
| Massachusetts | $1,760 | $3,137 | 78% | $1,376 |
| Maryland | $1,966 | $3,143 | 60% | $1,176 |
| Maine | $1,049 | $1,555 | 48% | $506 |
| Michigan | $4,013 | $10,260 | 156% | $6,247 |
| Minnesota | $1,686 | $3,337 | 98% | $1,651 |
| Missouri | $2,372 | $3,341 | 41% | $969 |
| Mississippi | $1,405 | $2,373 | 69% | $968 |
| Montana | $1,766 | $2,786 | 58% | $1,020 |
| North Carolina | $1,396 | $5,726 | 310% | $4,329 |
| North Dakota | $1,232 | $2,175 | 77% | $944 |
| Nebraska | $1,847 | $3,212 | 74% | $1,364 |
| New Hampshire | $952 | $1,606 | 69% | $655 |
| New Jersey | $2,262 | $3,885 | 72% | $1,623 |
| New Mexico | $1,695 | $2,451 | 45% | $756 |
| Nevada | $2,389 | $3,902 | 63% | $1,513 |
| New York | $1,867 | $2,784 | 49% | $917 |
| Ohio | $1,114 | $1,697 | 52% | $583 |
| Oklahoma | $1,852 | $2,643 | 43% | $792 |
| Oregon | $1,502 | $2,340 | 56% | $838 |
| Pennsylvania | $1,297 | $2,072 | 60% | $775 |
| Rhode Island | $1,792 | $3,061 | 71% | $1,268 |
| South Carolina | $1,811 | $2,666 | 47% | $855 |
| South Dakota | $1,558 | $2,883 | 85% | $1,325 |
| Tennessee | $1,311 | $2,126 | 62% | $815 |
| Texas | $1,981 | $2,963 | 50% | $982 |
| Utah | $1,601 | $2,402 | 50% | $801 |
| Virginia | $1,228 | $1,819 | 48% | $592 |
| Vermont | $1,057 | $1,743 | 65% | $686 |
| Washington | $1,351 | $2,374 | 76% | $1,023 |
| Wisconsin | $1,573 | $2,753 | 75% | $1,180 |
| West Virginia | $1,424 | $2,494 | 75% | $1,070 |
| Wyoming | $1,763 | $3,087 | 75% | $1,324 |
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 nationwide. 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 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim.. 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:
- Compare car insurance rates from multiple carriers.
- Increase your deductible to lower your premiums.
- Ask about discounts you can still qualify for with a DUI, like bundling your home and auto policy.
- Avoid other traffic violations.
Impaired driving laws by state
Below you'll see the laws and penalties in each state for a DUI, including repeat offender and open container laws. Pennsylvania is the only state without an automatic license suspension for a first offense.
| State | Increased penalty for high BAC | License suspension - first offense | Limited driving privileges during suspension | Ignition interlock | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|---|
| Alabama | 0.15 | 90 days | None | Mandatory for high BAC (0.15), repeat offenders, if there's a child under the age of 14 in the car | Yes | Yes |
| Alaska | None | 90 days | After 30 days | Mandatory for all convictions | No | No |
| Arizona | 0.15 | 90 days | After 30 days | Mandatory for all convictions | Yes | Yes |
| Arkansas | None | 6 months | Yes | Mandatory for all convictions | Yes | Yes |
| California | 0.15 | 4 months | After 30 days | Mandatory for all repeat and injury involved offenses, first-time injury or vehicular manslaughter offenses | Yes | No |
| Colorado | 0.15 | 3 months | Yes | Mandatory for high BAC (0.15), repeat offenders, highly incentivized for first conviction | Yes | No |
| Connecticut | None | 90 days | Yes | Highly incentivized for all convictions | No | Yes |
| Delaware | 0.15 | 3 months | No | Highly incentivized for all convictions | No | Yes |
| District of Columbia | 0.20, 0.25 and 0.30 | 2-90 days or until deposition | Yes | Mandatory for all convictions | Yes | Yes |
| Florida | 0.2 | 6 months for DUI, 12 months for refusal | DUI: After 30 days, Refusal: After 90 days | None | Yes | Yes |
| Hawaii | None | 3 months | After 30 days | Mandatory for all convictions | No | No |
| Idaho | 0.2 | 90 days | After 30 days | Mandatory for all convictions | Yes | Yes |
| Illinois | 0.16 | 6 months | After 30 days | Mandatory for all convictions; Highly incentivized for first convictions | Yes | Yes |
| Indiana | 0.15 | 180 days | Available immediately | Mandatory for repeat convictions | Yes | No |
| Iowa | 0.15 | 180 days | After 30 days | Highly incentivized for all convictions | Yes | Yes |
| Kansas | 0.15 | 30 days | None | Highly incentivized for all convictions | Yes | Yes |
| Kentucky | 0.15 | 30-120 days | Yes | Mandatory for all convictions | Yes | Yes |
| Louisiana | 0.2 | 12 months | Yes (with the exception of a 2nd conviction having a 0.2 BAC, then eligible only after 45 days of suspension has expired) | Mandatory for all convictions | No | No |
| Maine | 0.15 | 150 days | Yes | Highly incentivized for all convictions | Yes | Yes |
| Maryland | 0.15 | 180 days for both 0.8 and 0.15, for first offense | Yes, with interlock | Mandatory for all convictions | Yes | Yes |
| Massachusetts | 0.2 | 90 days | Yes | Mandatory for repeat convictions | Yes | Yes |
| Michigan | 0.17 | 30-180 days | After 45 days | Mandatory for high BAC (0.17) and repeat convictions | Yes | Yes |
| Minnesota | 0.16 | 90 days | After 15 days | Highly incentivized for high BAC (0.16) and repeat convictions | Yes | No |
| Mississippi | None | 90 days | None | Mandatory for all convictions | No | Yes |
| Missouri | 0.15 | 90 days | After 30 days (restricted) | Mandatory for repeat convictions | No | Yes |
| Montana | 0.16 | 6 months | Yes | Mandatory for repeat convictions | Yes | No |
| Nebraska | 0.15 | 90 days | After 30 days | Mandatory for all convictions | Yes | Yes |
| Nevada | 0.18 | 90 days | After 45 days | Mandatory for all convictions | Yes | Yes |
| New Hampshire | 0.16 | 6 months | None | Mandatory for all convictions | Yes | Yes |
| New Jersey | 0.1 | 3 months | None | Mandatory for all convictions | Yes | Yes |
| New Mexico | 0.16 (with mandatory jail on all offenses) | Under 21: 1 year 21 and over: 6 months | Immediately with ignition interlock | Mandatory for all convictions | Yes | Yes |
| New York | 0.18 | Yes | Yes | Mandatory for all convictions | Yes | Yes |
| North Carolina | 0.15 | 30 days | After 10 days | Mandatory for high BAC (0.15 or higher) and repeat convictions | Yes | Yes |
| North Dakota | 0.18 | 91 days | After 30 days | Discretionary | Yes | No |
| Ohio | 0.17 | 90 days | After 15 days | Mandatory for repeat convictions | No | No |
| Oklahoma | 0.15 | 180 days | Yes | Mandatory for high BAC (0.15 or higher) and repeat convictions; highly incentivized for first convictions | Yes | Yes |
| Oregon | 0.15 | 90 days | After 30 days | Mandatory for all convictions and diversions | Yes | No |
| Pennsylvania | 0.1 and 0.16 | None | Uses programs called Occupational Limited License (OLL) and Ignition Interlock Limited License (IILL) | Mandatory for high BAC (0.1 or higher) and repeat convictions | Yes | Yes |
| Rhode Island | 0.1 and 0.15 | 30-180 days | None | Mandatory for all convictions | Yes | No |
| South Carolina | 0.10 and 0.16 | 1 month (for BAC 0.15 or higher) | Yes | Mandatory for all convictions | Yes | No |
| South Dakota | 0.17 | 30 days | Yes | Discretionary | Yes | No |
| Tennessee | 0.2 | 1 year | Yes | Mandatory for repeat convictions; highly incentivized for first convictions | No | Yes |
| Texas | 0.15 | 90 days for BAC 0.8 or greater, 180 days for refusal | Yes | Mandatory for repeat convictions and first time offenders with BAC greater than 0.15 | Yes | Yes |
| Utah | 0.16 | 120 days | None | Mandatory for repeat convictions; highly incentivized for first convictions | Yes | Yes |
| Vermont | None | 90 days | None | Highly incentivized for all convictions | Yes | No |
| Virginia | 0.15 and 0.2 | 7 days | None | Mandatory for repeat convictions; highly incentivized for first convictions | No | Yes |
| Washington | 0.15 | 90 days | With an ignition interlock driver's license | Mandatory for all convictions | Yes | No |
| West Virginia | 0.15 | 6 months | After 30 days | Mandatory for high BAC (0.15 or higher) and repeat convictions | Yes | Yes |
| Wisconsin | 0.17, 0.20 and 0.25 | 6-9 months | Yes | Mandatory for high BAC (0.15 or higher) and repeat convictions | Yes | Yes |
| Wyoming | 0.15 | 90 days | Yes | Mandatory for high BAC (0.15 or higher) and repeat convictions | No | No |
Source: Governors Highway Safety Administration; as of May 2024
Frequently asked questions: DUI and car insurance
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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