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Cheap DUI Car Insurance in New York (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last 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.
| Carrier | Avg. Monthly Cost |
|---|---|
| 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.
Avg. Monthly Cost - No Violation$349
Avg. Monthly Cost - After DUI$667
$318 ▴
91.12% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates
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.
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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 | After DUI - Avg. Monthly Rate | Average Percent Increase After DUI |
|---|---|---|
| $349 | $667 | 91.12% |
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 | Most Expensive State for DUI (1-50) |
|---|---|
| $667 | 3rd |
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.
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FAQs - New York Car Insurance
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.
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.
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.
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
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.
Content Writer at Insurify
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.