Get Cheap DUI Car Insurance (2025)
Progressive offers the cheapest car insurance rates for most drivers with a DUI on their records, at $2,656 a year. You may get even cheaper rates from midsize to small companies like Erie.
Cheapest car insurance companies after a DUI
Most drivers will get the cheapest car insurance after a DUI from Progressive, which charges an average rate of $2,656 a year. Erie Insurance offers slightly cheaper rates of around $2,404 a year, but it’s only available in 12 states and the District of Columbia.
| Company | Annual rate |
|---|---|
| Erie | $2,404 |
| Progressive | $2,656 |
| Travelers | $2,737 |
| American Family | $3,368 |
| Auto-Owners | $3,719 |
| State Farm | $3,901 |
| Farm Bureau | $3,924 |
| Allstate | $4,680 |
| Country Financial | $4,874 |
| Geico | $5,067 |
| Farmers | $5,307 |
| Nationwide | $5,332 |
| USAA* | $2,576 |
*Only current and former military members and their families are eligible for a USAA policy.
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 local insurance companies. MMG, NYCM and Texas Farm Bureau all offer DUI car insurance under $2,000 a year, on average.
| Company | Annual rate |
|---|---|
|
MMG
Available in Maine, New Hampshire, Pennsylvania, Vermont and Virginia | $1,840 |
|
NYCM
Available in New York | $1,981 |
| Texas Farm Bureau Available in Texas | $1,994 |
|
Umialik
Available in Alaska | $2,033 |
| Hanover Available in Arizona, California, Connecticut, Colorado, Utah, Georgia, Illinois, Indiana, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Kansas, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Virginia, Washington, D.C. and Wisconsin | $2,142 |
|
Concord
Available in New England | $2,186 |
|
Plymouth Rock
Available in Connecticut, Massachusetts New Hampshire, New Jersey, New York and Pennsylvania | $2,223 |
| NJM Available in Connecticut, Maryland, New Jersey, Ohio, or Pennsylvania | $2,506 |
Cheapest car insurance after a DUI by state
New Hampshire is the best state for cheap car insurance after a DUI, based on our data. Drivers there pay an average of $2,044 a year for car insurance after a DUI.
Of the car insurance companies operating in New Hampshire, Hanover has the lowest average rate of $994 a year.
Progressive and USAA both offer the cheapest DUI rates in 11 states. However, USAA is only available to members of the military and their families.
| State | Annual rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Alabama | $3,737 | Travelers | $2,513 |
| Alaska | $2,629 | Umialik | $2,033 |
| Arizona | $4,196 | Progressive | $2,445 |
| Arkansas | $3,682 | Farm Bureau | $1,973 |
| California | $5,730 | Mercury | $3,026 |
| Colorado | $5,153 | USAA | $3,809 |
| Connecticut | $5,406 | Travelers | $2,055 |
| Delaware | $4,742 | Progressive | $3,024 |
| Florida | $5,158 | Travelers | $3,322 |
| Georgia | $4,418 | Farm Bureau | $2,580 |
| Hawaii | $4,890 | USAA | $2,275 |
| Idaho | $2,624 | USAA | $1,561 |
| Illinois | $3,776 | Travelers | $1,890 |
| Indiana | $2,601 | USAA | $1,301 |
| Iowa | $3,399 | Progressive | $1,589 |
| Kansas | $3,578 | Travelers | $2,031 |
| Kentucky | $4,286 | Travelers | $2,700 |
| Louisiana | $4,929 | Farm Bureau | $2,299 |
| Maine | $2,368 | Travelers | $1,423 |
| Maryland | $3,675 | Erie | $2,085 |
| Massachusetts | $3,017 | Plymouth Rock | $2,003 |
| Michigan | $7,575 | Progressive | $2,176 |
| Minnesota | $3,879 | State Farm | $1,469 |
| Mississippi | $3,848 | USAA | $2,233 |
| Missouri | $3,244 | USAA | $1,787 |
| Montana | $3,745 | State Farm | $1,921 |
| Nebraska | $3,375 | American Family | $2,041 |
| Nevada | $5,772 | Travelers | $2,951 |
| New Hampshire | $2,044 | Hanover | $994 |
| New Jersey | $4,985 | Geico | $2,318 |
| New Mexico | $3,139 | USAA | $1,883 |
| New York | $4,277 | Progressive | $1,256 |
| North Carolina | $7,090 | Progressive | $3,036 |
| North Dakota | $3,281 | Progressive | $1,898 |
| Ohio | $2,104 | Geico | $944 |
| Oklahoma | $3,602 | Progressive | $2,089 |
| Oregon | $3,901 | Progressive | $2,036 |
| Pennsylvania | $3,347 | Travelers | $1,743 |
| Rhode Island | $6,184 | USAA | $2,446 |
| South Carolina | $3,106 | Farm Bureau | $1,827 |
| South Dakota | $4,422 | State Farm | $2,218 |
| Tennessee | $2,843 | USAA | $1,995 |
| Texas | $3,062 | State Farm | $1,422 |
| Utah | $3,901 | Progressive | $1,983 |
| Vermont | $2,711 | Progressive | $1,375 |
| Virginia | $3,110 | Farm Bureau | $1,753 |
| Washington | $2,922 | American Family | $1,930 |
| Washington, D.C. | $4,227 | USAA | $1,954 |
| West Virginia | $3,122 | Erie | $2,128 |
| Wisconsin | $2,591 | Erie | $1,934 |
| Wyoming | $2,654 | USAA | $1,727 |
Where you live is just one of the factors that determines what you pay for car insurance. Other factors include your:
- Vehicle’s make and model
- Insurance claim history
- ZIP code
- Age
Car insurance companies weigh 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 makes comparing quotes from several companies all the more important, especially with the price hikes that come with a DUI.
How a DUI affects 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 to offset that risk.
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 85% 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 carry at least the minimum amount of car insurance your state requires.
Depending on where you live, you’ll need to keep filing your SR-22 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.
Cancelled or refused coverage
Insurance companies may cancel your policy or refuse to sell you coverage due to 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 commission. Every state has a program to make sure drivers can get minimum liability insurance. It can be expensive, but you’ll have coverage.
Frequently asked questions
Car insurance companies raise your premium 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 time. 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, take the opportunity to compare quotes with other insurers.
A DUI will affect 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 affected longer.