How much does car insurance cost after a DUI?
Car insurance costs after a DUI can drive up your rates by 40% or more. You could pay between $283 and $410 a month on average. USAA, State Farm, and Progressive are the most affordable companies for DUI-convicted drivers. But you should shop around and compare to get the best rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 22, 2022
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jun 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- DUI convictions increase car insurance rates by 40%
- State Farm and Progressive are the cheapest companies for DUI drivers
- DUI-convicted drivers may require SR-22 certification
Were you convicted of a DUI or DWI recently? DUIs and DWIs can lead to fines and even jail time. In addition to penalties, your car insurance rates can increase if you have a DUI.
But how much do your insurance rates go up? Don’t worry — we’ll explain how a DUI affects your car insurance policy. Read this guide to learn how a DUI affects car insurance rates per month and which companies have the most expensive rates for DUI-convicted drivers.
How much does car insurance cost after a DUI?
After a DUI, the average insurance cost is between $283 and $410 a month. A DUI (also called DWI in some states) raises your car insurance rates by 40% or more at some insurance companies.
But each auto insurance company is different. Some insurance companies increase your rates by as little as 20%. However, getting cheap car insurance with a DUI on your driving record is challenging.
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How much does DUI insurance cost at the best companies?
Car insurance for DUI-convicted drivers is $410 per month on average, but your auto insurance rates vary at different companies. Let’s look at an example of how a DUI impacts your monthly car insurance rates.
Companies Monthly Rates with a Clean Driving Record Monthly Rates w/ One DUI Conviction
Allstate $318 $522
American Family $224 $361
Farmers $288 $393
Geico $179 $406
Liberty Mutual $398 $634
Nationwide $229 $379
Progressive $283 $331
State Farm $235 $303
Travelers $287 $478
USAA $161 $292
*National Average $260 $410
USAA car insurance is the cheapest, but USAA isn’t available for every driver. Only veterans (active and retired) and their immediate families can get an insurance policy through USAA.
The most affordable companies for DUI-convicted drivers are State Farm, Progressive, and American Family. Meanwhile, the most expensive insurance companies are Travelers, Allstate, and Liberty Mutual.
Is DUI car insurance cost different in each state?
Yes, it is. Some states have cheaper auto insurance rates for a DUI. These could be lower than the average rates in the previous sections.
Here’s a table that shows the average monthly rates of DUI auto insurance for each state in the U.S.
States Monthly Car Insurance Rates with a Clean Driving Record Monthly Car Insurance Rates w/ a DUI Conviction
Alabama $156 $275
Alaska $131 $194
Arizona $256 $370
Arkansas $172 $280
California $151 $429
Colorado $260 $376
Connecticut $229 $463
Delaware $240 $369
Florida $269 $341
Georgia $199 $323
Hawaii $147 $471
Idaho $142 $236
Illinois $185 $282
Indiana $124 $212
Iowa $138 $222
Kansas $170 $248
Kentucky $242 $406
Louisiana $296 $432
Maine $107 $181
Maryland $199 $267
Massachusetts $180 $305
Michigan $756 $2,260
Minnesota $176 $312
Mississippi $181 $314
Missouri $211 $301
Montana $191 $296
National Average $198 $350
Nebraska $187 $247
Nevada $255 $408
New Hampshire $168 $307
New Jersey $234 $374
New Mexico $170 $264
New York $231 $328
North Carolina $126 $502
North Dakota $191 $287
Ohio $130 $200
Oklahoma $205 $283
Oregon $194 $302
Pennsylvania $150 $202
Rhode Island $299 $629
South Carolina $173 $272
South Dakota $202 $311
Tennessee $156 $252
Texas $221 $380
Utah $200 $306
Vermont $145 $223
Virginia $137 $211
Washington $146 $241
West Virginia $176 $316
Wisconsin $130 $206
Wyoming $177 $289
North Carolina, Rhode Island, and Michigan car insurance companies are the most expensive for DUI-convicted drivers. But Maine, Alaska, and Ohio have the most affordable insurance rates for DUI drivers.
What if you have multiple DUI convictions?
If you have several DUIs on your driving record, you could lose your car insurance coverage. And finding auto insurance could become more challenging.
[blockquote] Insurance companies can learn about your DUI conviction when you renew or buy a new policy. [/blockquote]
Some insurance companies could deny your request for a car insurance policy. But you can go to your local department of motor vehicles and ask them to help you find an insurance company. However, your car insurance rates could be more expensive than average.
Do teen drivers pay more after a DUI conviction?
Yes, they do. Young drivers are considered high-risk drivers by car insurance companies. Factoring in a DUI at a young age could dramatically increase car insurance rates. Parents and legal guardians who added teen drivers to their policy will also see rates increase by at least 20%.
How long does a DUI stay on your driving record?
DUIs and DWIs can stay on your driving record for at least five years. Some states hold DUIs on your driving history for a lifetime. You can even get points against your driver’s license. Let’s see how long a DUI lasts for each state.
States Time on Your Driving Record Points on Your Driver's License Time that Point Stay on Your License
Alabama 5 years 6 points 2 years
Alaska For life 10 points 2 points off every 2 years
Arizona 5 years 8 points 3 years
Arkansas 5 years 14 points 3 years
California 10 years 2 points 13 years
Colorado 10 years 8 points 2 years
Connecticut 10 years 3 points 2 years
Delaware 5 years Additional penalties N/A
Florida 75 years Additional penalties 3 years
Georgia 10 years Additional penalties 2 years
Hawaii 5 years State doesn't have a point system N/A
Idaho For life Additional penalties 3 years
Illinois For life State doesn't have a point system N/A
Indiana For life 8 points 2 years
Iowa 12 years State doesn't have a point system N/A
Kansas For life State doesn't have a point system N/A
Kentucky 5 years Additional penalties 2 years
Louisiana 10 years State doesn't have a point system N/A
Maine For life Additional penalties 1 year
Maryland 5 years 12 points 3 years
Massachusetts 10 years 5 points 6 years
Michigan 7 years 6 points 2 years
Minnesota 10 years State doesn't have a point system N/A
Mississippi 5 years State doesn't have a point system N/A
Missouri 10 years 8 points 1 year, 6 months
Montana 5 years 10 points 3 years
Nebraska 12 years 6 points 2 years
Nevada 7 years Additional penalties 1 year
New Hampshire 10 years 6 points 3 years
New Jersey 10 years Additional penalties N/A
New Mexico 55 years Additional penalties 1 year
New York 15 years Additional penalties 1.5 years
North Carolina 7 years Additional penalties 3 years
North Dakota 7 years Additional penalties 3 years
Ohio For life 6 points 3 years
Oklahoma 10 years Additional penalties 3 years
Oregon For life State doesn't have a point system N/A
Pennsylvania 10 years Additional penalties 3 points off per year
Rhode Island 5 years State doesn't have a point system N/A
South Carolina 10 years Additional penalties 2 years
South Dakota 10 years 10 points Varies
Tennessee For life Additional penalties 2 years
Texas For life 2 points 3 years
Utah 10 years Additional penalties 2 years
Vermont For life Additional penalties 2 years
Virginia 11 years Additional penalties 2 years
Washington 15 years State doesn't have a point system N/A
West Virginia 10 years Additional penalties 2 years
Wisconsin 10 years 6 points 5 years
Wyoming 10 years State doesn't have a point system N/A
Illinois, Kansas, Maine, Ohio, Texas, and several other states keep DUIs on your driving history for life.
The good news is that you can have convictions sealed after a specific number of years. Also, some insurance companies may give you cheaper insurance rates after you’ve maintained a clean driving record for at least three years.
Do you need SR-22 after a DUI conviction?
It depends on the state, but you’ll likely receive a demand letter from your local department of motor vehicles stating that you’re required to get SR-22 certification. Ask your insurance company for an SR-22 request if you still have your insurance policy. SR-22 lasts for three years, but you’ll have to reapply for SR-22 if your state still considers you a high-risk driver.
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Can you get a discount with a DUI on your driving record?
Yes, you can. A DUI doesn’t disqualify you from getting car insurance discounts. You’ll miss out on defensive and safe driver discounts, but you can save up to 30% if you have good credit.
Completing a defensive or drunk driving course could also help you save money on your monthly rates.
DUI Car Insurance: The Bottom Line
Out of all traffic infractions you could get, DUIs and DWIs are the worst. DUI convictions drive up insurance rates by hundreds of dollars.
If you’re eligible for multiple discounts, you can lower DUI car insurance rates. And if the top insurance companies in your area are too expensive, shop with insurance companies that are used to dealing with high-risk drivers.
FREE Car Insurance Comparison
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.