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The Best Cheap Car Insurance After a DUI (2022)

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Amy Beardsley

By: Amy Beardsley

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated May 10, 2022

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Quick Facts

  • The cheapest insurer we found for drivers with a DUI on average is Amigo USA, with average rates of $107 per month.
  • In most states, a DUI will stay on your driving record for five to ten years.
  • In Alaska and Arizona, a DUI will never leave your driving record.

Many drivers find getting cheap car insurance after a DUI offense to be complicated and stressful. You may expect high rates or worry about losing your policy. But shopping for the cheapest car insurance with a DUI doesn’t have to be an agonizing experience. While it takes some effort to find cheap car insurance with a DUI, it is not impossible.

Insurify helps you compare quotes from many carriers for identical coverage. So, if you have a DUI, don’t despair. Insurify can help you save money and find the cheapest car insurance. In this article, learn to navigate the world of DUI car insurance and find a cheaper policy with the click of a button.

Cheapest Car Insurance Companies for Drivers with a DUI

DUI is short for driving under the influence. It’s a traffic violation involving the use or consumption of alcohol or drugs before or during driving. It makes the driver incapable of operating a motor vehicle safely. It’s like a DWI (driving while intoxicated), and DUI and DWI can mean the same thing in some states.

Besides it causing your insurance premiums to go up, a DUI conviction can have a variety of consequences depending on your resident state:

  • Court and legal fees
  • Financial responsibility for state fines
  • Jail time
  • Community service
  • Probation
  • License suspension
  • Impounded vehicle

Typically, drivers license points received for a DUI will stay on your license for 5 to 10 years, depending on the state laws where you live. If you have a DUI, you’re likely looking for the cheapest auto insurance companies. Consider Amigo USA—they have the cheapest car insurance for drivers with a DUI.

United Security Health and Casualty (USH&C), Novo, First Chicago, and Farmers are also among the top five insurers for cheapest DUI car insurance.

Insurance CompanyAverage Monthly Quote
Amigo USA$107
USH&C$114
Novo$121
First Chicago$130
Farmers$132
Mile Auto$140
Progressive$156
Clearcover$161
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Most Expensive Car Insurance Companies for Drivers with a DUI

The department of motor vehicles (DMV) for your state maintains your driving record. A record with a DUI makes you a higher risk to car insurance companies, and carriers can increase your rates significantly. Drivers with a DUI often see their rates go up by an average of $1,163 per year. And your carrier could cancel your insurance policy altogether.

Your auto insurance rates are typically much more than what you might see with at-fault accidents, speeding tickets, reckless driving, or other moving violations. Some drivers change insurance companies to reinstate coverage or to save money on their policy.

Insurance CompanyAverage Monthly Quote
Aspen$517
Everest National$505
Pronto$454
21st Century$398
Arrowhead$370
Allinsco$335
Infinity$325
Hallmark$312
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Car Insurance Rates after DUI by State

DUI insurance rates can range broadly among states. Idaho, South Dakota, Massachusetts, Wyoming, and Hawaii have the lowest monthly average rate for DUI car insurance premiums.

Drivers with a DUI charge residing in these states should expect car insurance rates between $116 and $137 per month.

The states with the highest average costs include Michigan at $376, Nevada at $325, Georgia at $323, and Louisiana at $317.

StateAverage Monthly Premium after DUI
Alabama$178
Alaska$208
Arizona$218
Arkansas$197
California$238
Colorado$223
Connecticut$276
Delaware$320
Florida$304
Georgia$323
Hawaii$137
Idaho$116
Illinois$156
Indiana$139
Iowa$163
Kansas$177
Kentucky$240
Louisiana$317
Maine$140
Maryland$311
Massachusetts$132
Michigan$376
Minnesota$180
Mississippi$198
Missouri$233
Montana$159
Nebraska$180
Nevada$325
New Hampshire$182
New Jersey$288
New Mexico$156
New York$309
North Carolina$161
North Dakota$170
Ohio$150
Oklahoma$192
Oregon$171
Pennsylvania$171
Rhode Island$174
South Carolina$271
South Dakota$127
Tennessee$152
Texas$269
Utah$162
Vermont$186
Virginia$195
Washington$213
West Virginia$207
Wisconsin$153
Wyoming$136
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates Before and After DUI

A DUI is a serious offense. Insurers view you as a high-risk driver after a DUI offense. If you rack up multiple DUIs, you may not qualify for car insurance and could lose your driving privileges.

The table below offers sample quotes from multiple insurers that illustrate the difference in car insurance rates before and after having a DUI. As you can see, some insurers penalize DUI drivers more than others.

For example, 21st Century charged a 133 percent rate increase for a DUI, while Kemper only charged 3 percent more. On the other hand, Infinity car insurance company had the lowest quotes overall with and without a DUI.

CompanyMonthly Quote without DUIMonthly Quote with DUIPercent Change
Infinity$70$12353%
21st Century$74$207133%
Mercury$100$200100%
Workmens$121$20483%
Kemper$223$2303%
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

The quotes represent a sample driver with the following driver profile: a single, 28-year-old woman living in Los Angeles, California, driving a 2015 Hyundai Accent, working as an accountant, and opting for state minimum coverage.

Tips for Cheaper Car Insurance with a DUI

How long does a DUI stay on your insurance?

A DUI will stay on your driving record for at least three years, although most states keep your DUI history for 5 to 10 years. A select few states have stricter laws regarding DUIs; in Arizona and Alaska, a DUI will stay on your record permanently.

Buying car insurance with a DUI doesn't have to break the bank. Use a few simple strategies to help you save hundreds or thousands of dollars on insurance costs. Here’s how to save on your policy until your DUI drops off your bad driving record.

Uncover All Eligible Discounts

Even with a DUI, you may be eligible for car insurance discounts. First, find out if your insurer offers a bundled or multi-policy discount. You could uncover significant savings by pairing your car insurance with homeowners, renters, or life insurance.

Next, ask if you qualify for any other discounts, such as:

  • Married
  • Military
  • Affinity groups (club, business, or organization)
  • Low usage or miles driven per day
  • Anti-theft or safety devices like alarms and airbags
  • Telematics apps (allowing the insurer to track your driving habits)

You can typically lower your premiums by increasing the policy deductible you pay. Many insurers also provide discounts if you pay in full at the start of the policy or authorize automatic payments.

Maintain a Clean Driving Record

A DUI can feel like a big mistake, but not all is lost. Going forward, resolve to be a safer driver. You’ll be working toward a squeaky-clean driving record, avoiding the possibility of losing your driver’s license, and lowering your insurance rates. It’ll also help you save on other DUI-related expenses like infractions, tickets, car repairs, court fees, and legal fees.

Shop Around

You have the right to change insurers at any time. Insurify helps you shop around with multiple carriers at once. You will never pay more by shopping with Insurify, and we are here to help you through each step of the process. If you switch providers before the end of your policy term, your insurance company will typically refund you the unused portion of your premium.

Frequently Asked Questions

  • In most cases, your car insurance rates will drop or decrease after your DUI drops off your driving record. How quickly you’ll see the rates go down can depend on your insurance carrier. In Arizona and Alaska, your DUI never vanishes from your driving record. Unfortunately for Alaska motorists, the state allows car insurance companies to look back over 15 years.

  • Comparison shopping is your secret weapon to finding the best rates after a DUI. Your current insurer may have reasonable prices, but you won’t know if you have a good deal until you shop around. Comparison-shopping technology makes it simple and fast to find the cheapest car insurance.

The Best Way to Compare and Get Cheaper Car Insurance

Your DUI does not define you as a driver. It was a moment in time that is now passed, and eventually (in most states), it will vanish from your driving record. But you don’t have to wait that long to save money on car insurance.You can size up other insurers to see how their rates and coverage limits stack up when you shop around.

To make it easier, Insurify streamlines the process. You’ll get lightning-fast car insurance quote comparisons by entering just a few pieces of information. Insurify checks prices with multiple carriers that you can compare in one place. You’ll save money and understand your coverage better.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Amy Beardsley
Amy Beardsley
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Content Writer at Insurify

Amy is a content marketing writer who specializes in personal finance and technology. With a background in the legal field, she has a talent for transforming complex topics into content that’s easy to understand. When she’s not writing, she enjoys reading and playing board games with her family. You can learn more at amybeardsley.com.

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