Get Cheap DUI Car Insurance (2026)
Progressive has the cheapest car insurance for most drivers with a DUI on their records, at an average rate of $208 a month. You may get even cheaper rates from smaller or more local companies.
Best cheap DUI car insurance
Cheapest car insurance companies after a DUI
Most drivers with a DUI will get the cheapest car insurance from Progressive, which offers an average rate of $208 per month.
Travelers and Hanover aren’t far behind for major insurance companies, however. Travelers’ average rate for drivers with a DUI (driving under the influence) conviction is $224 per month, while Hanover’s is $230 per month.
Although American Family is $62 more than Progressive, at $270 per month, it has many car insurance discounts that could make it a lot cheaper.
Cheapest DUI insurance rates
| Company | Monthly rate | LendingTree score | |
|---|---|---|---|
 | Progressive | $208 |  |
 | Travelers | $224 |  |
 | Hanover | $230 | |
 | American Family | $270 | |
 | Auto-Owners | $305 |  |
 | State Farm | $343 | |
 | Farm Bureau | $362 | |
 | Allstate | $379 |  |
 | Geico | $404 |  |
 | Nationwide | $416 | |
 | Country Financial | $428 | |
 | Farmers | $434 | |
 | USAA* | $248 | |
American Family also scores better with customers than Progressive, Travelers or Hanover, based on its good J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. satisfaction rating.
USAA has even happier customers than American Family, as well as cheaper rates. But only active or retired military and their families can get coverage from USAA.
Each of these companies are much cheaper than the U.S. average for DUI car insurance of $329 per month.
Cheapest local car insurance companies after a DUI
The cheapest companies nationally may not be the cheapest option for you. You might find better rates with regional or local insurance companies.
For example, MMG, Umialik and NJM each offer DUI car insurance under $180 per month, on average.
Cheapest regional and local DUI insurance rates
| Company | Monthly rate | LendingTree score | |
|---|---|---|---|
 | MMG | $166 | |
 | Umialik | $166 | |
 | NJM | $179 | |
 | Concord | $185 | |
 | Plymouth Rock | $186 | |
 | NYCM | $213 | |
 | Erie | $217 | |
 | Mutual of Enumclaw | $220 | |
 | Pemco | $296 | |
Only drivers in Alaska can get car insurance from Umialik, however. MMG MMG is available in ME, NH, PA, VT and VA. and NJM NJM is available in CT, MD, NJ, OH and PA. are only available in five states each.
Erie is a bit more expensive, at $217 per month, but its policies can be bought in 12 states Erie is available in IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV and WI. as well as Washington, D.C.
Cheapest car insurance after a DUI by state
Wyoming and New Hampshire are the best states for cheap car insurance after a DUI, based on our data.
Drivers in Wyoming pay $194 per month for car insurance after a DUI, on average. New Hampshire’s average rate is just $1 more, at $195 per month.
Vermont and Alaska are the next-cheapest states for DUI insurance, at $205 and $212 per month, respectively.
Michigan has the most expensive insurance rates after a DUI, at $530 per month, followed by Rhode Island at $512.
Cheapest DUI insurance rates by state
| State | Monthly rate |
|---|---|
| Alabama | $285 |
| Alaska | $212 |
| Arizona | $352 |
| Arkansas | $302 |
| California | $517 |
| Colorado | $417 |
| Connecticut | $500 |
| Delaware | $452 |
| Florida | $440 |
| Georgia | $352 |
| Hawaii | $329 |
| Idaho | $242 |
| Illinois | $278 |
| Indiana | $241 |
| Iowa | $268 |
| Kansas | $368 |
| Kentucky | $346 |
| Louisiana | $429 |
| Maine | $249 |
| Maryland | $326 |
| Massachusetts | $273 |
| Michigan | $530 |
| Minnesota | $433 |
| Mississippi | $351 |
| Missouri | $305 |
| Montana | $324 |
| Nebraska | $309 |
| Nevada | $424 |
| New Hampshire | $195 |
| New Jersey | $370 |
| New Mexico | $294 |
| New York | $329 |
| North Carolina | $498 |
| North Dakota | $295 |
| Ohio | $218 |
| Oklahoma | $286 |
| Oregon | $321 |
| Pennsylvania | $280 |
| Rhode Island | $512 |
| South Carolina | $262 |
| South Dakota | $401 |
| Tennessee | $249 |
| Texas | $330 |
| Utah | $324 |
| Vermont | $205 |
| Virginia | $243 |
| Washington | $280 |
| Washington, D.C. | $351 |
| West Virginia | $258 |
| Wisconsin | $227 |
| Wyoming | $194 |
Where you live is just one of the factors that impacts what you pay for car insurance, no matter your driving record. Other factors include your:
- Age
- Gender
- Marital status
- Vehicle make and model
- Insurance claim history
- Credit score (in some states)
Each company treats these factors differently. One may see the make of your car as a bigger risk factor than its competitors. Another may put your claims history first.
This is one of the many reasons you should compare car insurance quotes from several companies before you buy or renew a policy, especially after a DUI.
How a DUI impacts your insurance
A driver with a DUI is a big risk for car insurance companies, which is why a DUI can cause your premium to go up a lot. Also, a DUI can stay on your record for five to 10 years.
Higher rates
Car insurance companies often consider drivers with a DUI to be among the riskiest to cover and charge them much higher rates because of it.
These increases usually stay on your record for three to five years, but it can be longer depending on the state you live in.
On average, you’ll pay 86% more for auto insurance after a DUI.
Suspended license and SR-22
Your license may be suspended after a DUI conviction. If it is, you might need to file an SR-22 to get your license reinstated. An SR-22 proves you have at least the minimum amount of car insurance your state requires.
Depending on where you live, you’ll need to keep your SR-22 insurance for one to five years, with three years being the most common duration. You should expect to pay higher car insurance rates during this time.
Canceled or refused coverage
Insurance companies may cancel your policy or refuse to sell you coverage because of a DUI. If you have trouble finding car insurance after a DUI, look at high-risk insurance companies.
If you continue to struggle after that, contact your state’s insurance commissioner. Every state has a program to make sure drivers can get liability Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. car insurance. It can be expensive, but you’ll have coverage.
Frequently asked questions
Car insurance companies raise your premium Your premium is the amount of money you pay regularly, usually monthly or yearly, to an insurance company for a policy. after a DUI because they consider you high risk. They also want to protect themselves against future claims they think you may file.
Car insurance companies are alerted to a DUI on your driving record during your annual renewal. This is when they look at your record for changes that might prompt a rate change.
Your insurer will find out about the DUI sooner if you need to contact them about filing an SR-22 form. This will not cause your rate to go up right away, but you should expect it to happen at renewal time.
If your current company raises your rates too much, compare quotes from other insurers to see if they’ll give you a better deal.
A DUI will impact your car insurance rates for at least three years. This length of time could be longer, depending on factors such as the state you live in and your auto insurance company.
It normally takes three to seven years for a DUI to drop off your record. While the DUI may no longer be part of your record after a certain period of time, your ability to qualify for discounts such as a good driver discount may be impacted longer.
How we selected car insurance companies
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and one DUI who drives a 2018 Honda CR-V EX.
Coverage limits
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
- Personal injury protection: Minimum, when required by state
How we evaluated car insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
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*USAA is only available to current and former members of the military as well as certain family members.