Cheap DUI Car Insurance in New York (With Quotes)

Jeanette Wisniewski
Written byJeanette Wisniewski
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Jeanette WisniewskiInsurance Writer

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

John Leach
Edited byJohn Leach
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John LeachInsurance Content Editor at Insurify

John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.

Amber Benka
Reviewed byAmber Benka
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Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 2022

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Best DUI Insurance Companies in New York (2022)

For drivers with a DUI or DWI offense in New York, 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 New York. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in New York.

CarrierAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Plymouth Rock$187
Travelers$205
Liberty Mutual$294
American Family Insurance$339

DUI Car Insurance Costs in New York

In New York, a DUI or DWI offense will on average have drivers paying $667 per month and $8,004 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 91% 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.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 New York?

New York is the third most expensive state for car insurance after a DUI. If that has your head spinning, just look at the numbers. Drivers with no DUI on their record pay $349 a month on average. After a DUI, they pay 91 percent more.

What does an actual insurance premium look like? On average, insurance companies hike up payments for DUI drivers by $318 monthly. The bottom line when it comes to monthly insurance costs after a DUI? You're looking at $667 per month on average.

No Violation - Avg. Monthly Rate
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
After DUI - Avg. Monthly Rate
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Average Percent Increase After DUI
$349$66791.12%

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

While car insurance prices vary from person to person, familiarizing yourself with averages can help you evaluate your premium. Your policy may be higher or lower based on factors like the kind of car you drive, your complete driving history, and any discounts you qualify for.

In New York, premiums for drivers after a DUI average out to $667.46. Why so high? Location, location, location. Only two states are more expensive than New York for car insurance after a DUI—Michigan and Rhode Island.

New York After DUI Avg. Monthly Rate
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Most Expensive State for DUI (1-50)
$6673rd

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How Long Is the Lookback Period for a DUI in New York?

How long does the DUI you get in New York today count alongside any future offenses? The lookback period for most DUI offenses in New York is 10 years. If you have a DUI today and can go 10 years without getting another one, the first one becomes irrelevant to any future DUIs you receive.

New York has separate penalties and lookback periods for combination offenses (referred to as DWAIs or Driving While Ability Impaired by a Combination of Alcohol/Drugs).

New York DUI Penalties

New York's DUI laws have gotten increasingly stringent over the last 10 years. Get pulled over twice for this offense, and you'll find yourself facing a felony. While the official blood alcohol content for a DUI in this state is.08 and above, New York's zero-tolerance laws mean the courts can penalize even blood alcohol content as low as.02.
DUI offenders face penalties that vary based on the number of times the courts have convicted them. First-time offenders face up to a year in jail, $1,000 in fines, and the loss of their license for at least six months. All DUI drivers must pay an annual assessment fine of $250 for three years.

Top Auto Insurance Companies

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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

FAQs - New York Car Insurance

  • Why is car insurance so expensive in New York?

    There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Do car insurance rates vary by county in New York?

    Auto insurance costs will vary between locations and insurance carriers, depending on the county New York. Insurify analyzed the latest data for the five most populous cities in New York to find you the cheapest quotes in each of these metropolitan areas.

  • Which providers have the best auto insurance ratings in New York?

    The way to find the carrier with the best auto insurance ratings in New York and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • How much do annual auto insurance rates increase in New York?

    During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Jeanette Wisniewski
Jeanette WisniewskiInsurance Writer

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

John Leach
Edited byJohn LeachInsurance Content Editor at Insurify
Photo of an Insurify author
John LeachInsurance Content Editor at Insurify

John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Icon of a woman
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.