The Best Cheap Car Insurance After a DUI (2022)

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.

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.

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.

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.

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.

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.

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.

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.