Cheap DUI Car Insurance in New York:
Costs and Quotes (2021)
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Best DUI Insurance Companies in New York (2021)
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 | |
|---|---|
 Plymouth Rock | $187/mo |
 Travelers | $205/mo |
 Liberty Mutual | $294/mo |
 American Family Insurance | $339/mo |
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.
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.
| 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.
| 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.
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.
Insurify Rate Comparison Methodology
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.
