Dui Auto Insurance: Finding The Cheapest Rates

If you have a DUI, you will likely be considered a high-risk driver and your insurance rates will increase. DUI insurance is not a specific type of insurance, but rather refers to the increase in car insurance rates and requirements like filing an SR-22 or FR-44 form to prove you have insurance. On average, car insurance rates could increase by about 90% for drivers who have a DUI. Progressive and USAA offer the cheapest car insurance rates after a DUI conviction, but rates vary across providers and states.

Progressive and USAA offer the cheapest rates for drivers with a DUI

Progressive and USAA offer the cheapest car insurance rates for drivers with a DUI. Progressive has one of the best average rates for drivers following a DUI and offers SR-22 insurance filing and non-owner insurance, which are essential to DUI drivers. Progressive also offers accident forgiveness and a vanishing deductible option.

USAA offers the best average rates for drivers with DUIs, but only military members, veterans, and military family members are eligible for USAA auto insurance. USAA offers accident forgiveness, new car replacement, and SR-22 insurance filing and non-owners insurance.

Both Progressive and USAA offer usage-based insurance programs that drivers can try out and potentially lower their car insurance costs.

While Progressive and USAA offer the cheapest rates for drivers with a DUI, it is always a good idea to shop around and compare quotes from multiple insurance companies.

DUI insurance rates vary by state

Progressive is often the cheapest option for drivers with a DUI, with an average rate of $2,776 per year. USAA is even cheaper, at an average of $2,751 per year, but it is only available to military members, veterans, and their families. Other affordable options include American Family, Erie, and The General.

• Colorado: Southern Farm Bureau
• Connecticut: Colorado Farm Bureau Mutual
• Georgia: American National P&C
• Indiana: Indiana Farmers Mutual
• Iowa: Southern Farm Bureau
• Kansas: Countryway Insurance
• Kentucky: American Access Casualty
• Louisiana: New York Central Mutual Fire
• Maine: Virginia Farm Bureau
• Maryland: American National P&C
• Massachusetts: Southern Farm Bureau
• Michigan: Progressive
• Minnesota: American Family
• Mississippi: State Farm
• Missouri: State Farm
• Montana: Progressive
• Nebraska: State Farm
• Nevada: State Farm
• New Hampshire: State Farm
• New Jersey: State Farm
• New Mexico: State Farm
• New York: Progressive
• North Carolina: State Farm
• North Dakota: State Farm
• Ohio: Progressive
• Oklahoma: Progressive
• Oregon: Progressive
• Pennsylvania: Progressive
• Rhode Island: State Farm
• South Carolina: State Farm
• South Dakota: State Farm
• Tennessee: State Farm
• Texas: Progressive
• Utah: State Farm
• Vermont: State Farm
• Virginia: State Farm
• Washington: Progressive
• West Virginia: State Farm
• Wisconsin: State Farm
• Wyoming: State Farm

The cheapest DUI insurance rates by state are always changing, so it's important to compare rates from multiple companies before choosing a provider.

DUI insurance rates vary by company

Other companies that offer competitive rates for drivers with a DUI include:

• American Family
• Erie
• Travelers
• Auto-Owners
• State Farm
• The General

It's worth noting that DUI insurance rates can vary significantly from state to state, and even between different drivers within the same state. The best way to find the cheapest DUI insurance is to compare quotes from multiple companies.

DUI insurance rates vary by driver

The average cost of car insurance with a DUI is $3,655 per year, compared to $2,348 per year for a driver with a clean record. The increase in insurance rates after a DUI conviction varies by state and insurance provider. The average rate increase across multiple car insurance companies after a DUI is about 90%, but it can range from 29% to 148%.

The cost of DUI insurance also depends on the driver's age, gender, location, vehicle type, and credit history. For example, auto insurance for teens is generally more expensive, and rates are higher in states with higher populations and more traffic accidents.

Some insurance companies offer better rates for drivers with a DUI, including Progressive, USAA, State Farm, and American Family. Progressive offers accident forgiveness and a vanishing deductible option, while USAA offers accident forgiveness and new car replacement coverage.

To get the cheapest DUI insurance, it is recommended to shop around and compare rates from different insurance providers. Other ways to lower your insurance premium after a DUI include maintaining a clean driving record, bundling your policies, increasing your deductible, and adjusting your payment method.

DUI insurance is more expensive and harder to find

Car insurance companies view drivers with a DUI (driving under the influence), DWI (driving while intoxicated), or OUI (operating under the influence) as riskier than other drivers. This perception of risk leads to higher insurance rates and more challenges in finding coverage. Here's what you need to know about the increased costs and difficulties in obtaining DUI insurance.

Higher Insurance Rates

A DUI conviction significantly impacts your auto insurance rates. On average, car insurance premiums increase by around $1,400 per year, or 65%, after a DUI. This increase reflects the perception of higher risk by insurance companies, who believe there is an elevated likelihood of future accidents and claims. The exact rate increase varies depending on factors such as your state, age, gender, vehicle type, and driving history.

Challenges in Finding Coverage

Obtaining DUI insurance can be challenging due to your classification as a high-risk driver. Some standard insurance providers may refuse to offer coverage, and you may need to turn to high-risk insurers that specialize in covering high-risk drivers. These high-risk insurance policies tend to be more expensive. Additionally, you may be required to file an SR-22 or FR-44 form, depending on your state, to prove that you meet the minimum insurance requirements.

Limited Coverage Options

Insurance companies may only offer you liability coverage instead of comprehensive and collision damage coverage due to your high-risk status. This limitation means you might have to pay out of pocket for any repairs or replacements needed for your vehicle after an accident.

Policy Cancellation or Non-Renewal

In some cases, your insurance provider may cancel your policy mid-term or choose not to renew it at the end of the policy term due to a DUI conviction. This outcome can leave you scrambling to find new coverage, likely at a higher rate.

Increased Difficulty Finding Insurance

If your insurance company cancels your policy or refuses to renew it, you may encounter difficulties finding a new insurance provider. High-risk drivers are often seen as undesirable clients by standard insurance companies, forcing you to explore non-standard auto insurance options or high-risk insurers.

Legal and Financial Consequences

A DUI conviction carries legal and financial repercussions beyond the impact on your insurance. You may face license suspension, fines, probation, or even jail time. Additionally, you could be required to pay legal fees, court costs, and fees for reinstating your driver's license and vehicle registration.

In summary, a DUI conviction results in higher insurance rates and more challenges in finding coverage. The increased costs and difficulties in obtaining DUI insurance are due to the perception of high risk by insurance companies and the various legal and financial consequences associated with a DUI. It's important to compare rates, explore different coverage options, and focus on improving your driving record to mitigate the financial impact of a DUI.

Frequently asked questions