Cheap DUI Car Insurance in Missouri (With Quotes)

Best DUI Insurance Companies in Missouri (2022)

For drivers with a DUI or DWI offense in Missouri, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Missouri. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Missouri.

DUI Car Insurance Costs in Missouri

In Missouri, a DUI or DWI offense will on average have drivers paying $443 per month and $5,316 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 81% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

How Much Does a DUI Impact Car Insurance Rates in Missouri?

While you may have thought your car insurance rates were high before a DUI conviction, you'll find that they steeply increase after even a first offense. Paying an average of $443 monthly for the right to drive, motorists with a DUI on their record shell out over $198 more than drivers who obey the rules of the road. That's more than an 80 percent increase in your insurance bill for one lapse in good judgment.

Even during this challenging time, there are still good decisions you can make. To begin, you can commit to driving better. In just a few years, good drivers (even with DUI violations) will see their insurance costs shrink. And you can shop around for insurance online. Using an online method (rather than calling one insurance company after another) allows you to quickly sort through hundreds of car insurance quotes for the best pricing.

What Are the Average Car Insurance Prices After a DUI in Missouri?

Missouri ranks 14th in the country in terms of the most expensive car insurance pricing for drivers with a DUI. Although other factors contribute to insurance pricing, the average monthly insurance premium for motorists with a DUI on their record is $443.

While some drivers may pay a little more or less, keep in mind that your insurance premiums are very personalized, and it's up to you to shop for the best deal around. Bundling car insurance with other insurance products is one way you can bring costs down.

How Long Is the Lookback Period for a DUI in Missouri?

Having a DUI in your past can be haunting. No one wants to be known as "the guy with the DUI," and putting it all behind you can take time. But you can redeem yourself—both personally and as far as your driving record is concerned.

Missouri's lookback or "washout" period for DUI convictions is five years. This means that each offense only exists criminally for that period of time. Why does this matter? Let's say you had a first-offense DUI on your record for five years, and you are convicted again. Because the courts only "look back" five years at your DUIs, the first-time conviction is washed out. Your new conviction becomes your new first offense.

Though it's great to get second chances, no one should take the lookback period to mean that your insurance rates aren't affected. Though three to five years is about the length of time insurance companies hold driving offenses against you, some will charge increased rates for up to seven years.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies