DWI Car Insurance in New York: Costs, Laws, and Cheapest Companies (2026)

Cheapest car insurance quotes after a DWI in New York

The average cost of liability car insurance after a DWI in New York is $279 per month. A full-coverage policy for a driver with a DWI costs an average of $446 per month, according to Insurify data.

The following table shows the cheapest insurers in New York for drivers with a DWI, with Erie offering the lowest monthly price of $116.

The below rates in New York are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Erie	$116
USAA	$121
Travelers	$141
State Farm	$165
Allstate	$173
Nationwide	$177
GEICO	$181
CSAA	$296
Chubb	$322
Progressive	$380
Bristol West	$458

Disclaimer: Table data sourced from real-time New York car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in New York may vary based on the policy buyer's unique driver profile.

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Liability rates after a DUI average $279 per month

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How a DWI affects car insurance rates in New York

A DWI generally increases car insurance rates, but the amount of the increase depends on several factors. On average, a liability-only policy will increase by 71% after a DWI in New York.

The exact increase for your premiums may depend on the following:

• Blood alcohol content (BAC) level: New York state law bases your conviction on your BAC, with penalties increasing at higher levels. A BAC of 0.08% or higher can lead to a DWI charge, but a BAC of 0.18% or higher could result in harsher penalties. 

• Prior offenses: New York DWI penalties increase for your second, third, or subsequent DWI convictions. Repeated offenses can lead to felony charges.

The following chart shows the cost of liability-only insurance with and without a DWI in New York.

Best car insurance companies after a DWI in New York

The best insurance company in New York after a DWI will depend on your unique situation, like your age, gender, ZIP code, and the severity of your DWI conviction.

We’ve vetted the following auto insurance companies based on rates, coverage offerings, verified user reviews, and third-party industry ratings.

Erie: Best for cheap rates after a DWI in New York

cheap rates after a DWI in New York

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User Reviews	4.4 536 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.4 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$71/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$115/mo

Details

4.4

Best choice in New YorkBased on 536 verified driver reviews and ratings

	Erie Insurance's score	Industry average
Coverage options	4.2	3.2
Customer service	3.6	3.6
Discounts	3.8	2.9
Policy transparency	4.0	3.1
Value	3.7	2.9

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

Based on analysis of verified reviews collected by Insurify

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Best in New York for

High customer satisfaction

Competitive rates

Optional coverages

Showing recent national reviewsSee all 237 Erie Insurance reviews

Donald

Verified Review

No longer the cheapest

Reviewed in Pennsylvania on June 23, 2026

They used to be the low price leader, not so much anymore.

Devan

Verified Review

At best, it's okay.

Reviewed in Pennsylvania on June 9, 2026

They have a good reputation, but they make changes to your policy that you may not be aware of unless you pay attention.

Regina

Verified Review

May the best company win

Reviewed in Ohio on May 25, 2026

Where I'm at is very good and satisfying. My daughter said I should check you out, so that's why I'm here. I do feel it's good to check out your options instead of going with the first company.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

700

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.68

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Erie offers some of the lowest DWI insurance rates in New York. Plus, Erie’s Rate Lock program makes it easier to keep the same rate each year and avoid annual premium increases. Erie’s large network of agents in New York can help you find the best coverage for your needs.

Pros

• Some of the cheapest rates in New York for drivers with a DWI

• Rate Lock feature prevents premium increases

• Large network of insurance agents in New York

Cons

• Not rated by J.D. Power for customer satisfaction in New York

• No telematics discount

• No option to file a claim online

Nationwide: Best for customer service after a DWI in New York

customer service after a DWI in New York

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User Reviews	4.2 996 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$108/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$175/mo

Details

4.2

Best choice in New YorkBased on 996 verified driver reviews and ratings

	Nationwide's score	Industry average
Coverage options	4.1	3.2
Customer service	4.0	3.6
Discounts	3.7	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

Based on analysis of verified reviews collected by Insurify

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Best in New York for

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

Showing 8 reviews from New York driversSee all 518 Nationwide reviews

Michael

Verified Review

Excellent

Reviewed in New York on May 21, 2026

Just your average auto insurance company.

Thomas

Verified Review

Angry Loyal Customer

Reviewed in New York on February 28, 2026

Too expensive for a great and safe driver who drives 7,000 miles per year in a 15-year-old car!

John

Verified Review

Great Company Nationwide

Reviewed in New York on February 24, 2026

Really good, prompt, courteous, and efficient.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

641

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.7

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Nationwide ranked second-highest in the New York region in the J.D. Power U.S. Auto Insurance Study for customer satisfaction. And with a widespread network of agents in the Empire State, you can likely find one in your area to help with your insurance needs.

Pros

• Above-average J.D. Power customer satisfaction rating in New York

• Large network of insurance agents in New York

• Multiple discounts available

Cons

• Relatively high rates for DWI insurance in New York

• Poor Trustpilot rating

• Lower AM Best financial strength rating than some competitors

USAA: Best for military families after a DWI in New York

military families after a DWI in New York

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User Reviews	4.9 3,891 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$74/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$120/mo

Details

4.9

Best choice in New YorkBased on 3,891 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.8	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

---

Best in New York for

Members of the military community

Outstanding customer service

Competitive rates

Showing 9 reviews from New York driversSee all 1,605 USAA reviews

Paul

Verified Review

Excellent

Reviewed in New York on April 20, 2026

USAA is the best overall insurance company!

John

Verified Review

Great Insurance!

Reviewed in New York on April 11, 2026

Easy to use.

Jason

Verified Review

Poor

Reviewed in New York on April 1, 2026

Too expensive for being a customer for over 5 years.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

New York is home to more than 688,000 veterans and almost 25,600 active-duty service members.^[2] USAA is a solid choice for Empire State residents affiliated with the military. The average liability insurance premium in New York for a DWI is much lower than the state average.

Pros

• Unique benefits for military members

• Highest J.D. Power customer satisfaction rating in New York

• Usage-based insurance available

Cons

• Coverage available only to active-duty military, veterans, and eligible family members

• Limited number of local offices in New York

• No 24/7 customer service

How to get car insurance after a DWI in New York

Follow these steps to get car insurance after a DWI in New York:

1. Reinstate your license. You’ll need to pay a license suspension termination fee and a driver responsibility assessment fee.

2. Compare insurance quotes. Shopping around can help you find a cheaper rate. The New York Department of Financial Services provides a checklist to make comparisons easier.

3. Consider high-risk insurance. If you have trouble finding coverage, look into the New York Automobile Insurance Plan (NYAIP) — a plan required under New York law to provide coverage to high-risk drivers.^[3]

4. Adjust your coverage. New York requires drivers to carry a minimum amount of liability insurance and personal injury protection (PIP). Consider sticking to the minimums and opting out of optional coverages to lower your premiums. Just remember that you’ll pay more out of pocket if you’re involved in an accident.

5. Get proof of coverage. Although New York doesn’t require an SR-22, you’ll still need a New York insurance ID card to prove coverage if an officer pulls you over.

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DWI laws in New York

New York has strict DWI laws with penalties including fines, jail time, and license revocation. Here’s what you should know about DWI laws in New York.

New York DWI penalties

New York has three main types of alcohol and drug-related traffic violations:

• Driving while impaired by alcohol (DWAI)

• Driving while intoxicated (DWI)

• Aggravated DWI

The type of penalty depends on the type of violation, and penalties increase for your second or subsequent offense. After your fourth conviction, the state will permanently revoke your license. Below are New York’s penalties for alcohol or drug violations.

	BAC Level	Fine	Maximum Jail Term	License Revocation
DWAI	0.05%–0.07%	$500–$10,000	1–7 years	6–12 months
DWI	0.08%	$500–$10,000	1–7 years	6–12 months
Aggravated DWI	0.18% or higher	$1,000–$10,000	1–7 years	12–18 months

In addition to these penalties, you may be subject to surcharges, a crime victim assistance fee, and an alcohol fee. The total fee is $395 for misdemeanors and $520 for felonies.

Also, per Leandra’s Law, all drivers convicted of a DWI must install an ignition interlock device for at least six months.

How long does a DWI stay on your record in New York?

A DWI conviction will stay on your driving record for 15 years in New York, while a DWAI will stay on your record for 10 years.

A misdemeanor or felony DWI conviction will stay on your criminal record indefinitely unless you seal your record via the Clean Slate Act. Misdemeanors are eligible for sealing after three years, and felonies are eligible after eight years.^[4] Sealing your conviction prevents it from being public.

New York SR-22 requirements

New York doesn’t require drivers with a DWI to show proof of insurance through an SR-22 or FR-44 form. All drivers — regardless of record — must carry a New York State Insurance ID Card (FS-20) as proof of insurance.

Minimum car insurance requirements in NY after a DWI

All drivers in New York, regardless of their driving record, must carry the state minimum amount of liability insurance. The minimum amounts are:

• $25,000 for bodily injury and $50,000 for death for one person in a crash

• $50,000 for bodily injury and $100,000 for death for two or more people in a crash

• $10,000 for property damage in a single crash

• $50,000 of PIP coverage

After a DWI, the minimum insurance requirements remain the same. But you may struggle to find affordable coverage. Remember, a DWI in New York stays on your record for 15 years.

How to lower DWI insurance costs in New York

A premium increase after a DWI is inevitable, but you can take steps to help soften the blow. Here are some ways to lower your insurance costs:

Compare quotes

Request quotes from at least three insurance companies. Make sure the coverage options are the same across all quotes so you’re comparing apples to apples.



Consider dropping full coverage

If you’re one of the 69% of New York drivers who own their vehicle, consider sticking to liability-only coverage to lower your costs. This is a good option if you can afford to pay to repair or replace your vehicle and you no longer lease or finance your car.



Take a defensive driving course

New York law requires insurance companies to apply a discount to your liability and PIP coverages for three years after you take a DMV-approved accident prevention course.



Enroll in a Combat Auto Theft (CAT) program

Eligible New York drivers can enroll in the state’s CAT program through participating law enforcement agencies. If you meet eligibility requirements, your insurer may offer a car insurance discount.

DWI car insurance in New York FAQs