How to Compare Car Insurance Quotes 2024
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Finding Cheap Car Insurance With a DUI (2024)

Published on:
Content was accurate at the time of publication.

If available, MMG, Concord and Texas Farm Bureau offer the cheapest car insurance rates for drivers with a DUI on their record. Progressive will be the best option for most people.

On average, you’ll pay 86% more for auto insurance after a DUI.

Find the Cheapest Car Insurance Quotes in Your Area

MMG has the cheapest full-coverage car insurance after a DUI, with an average annual rate of $1,514. However, MMG only sells insurance in Maine, New Hampshire, Pennsylvania, Vermont and Virginia.

Most drivers will get the cheapest car insurance after a DUI from Progressive, which charges an average rate of $2,547 a year.

Cheapest auto insurance companies with a DUI

CompanyFull coverageFull coverage w/ DUIDifference
MMG$902$1,51468%
Concord$977$1,66971%
Texas Farm Bureau$1,036$1,99492%
Hanover$1,372$2,02047%
Erie$1,270$2,17271%
USAA$1,203$2,25287%
Pemco$1,483$2,30055%
Country Financial$1,600$2,45954%
Progressive$2,032$2,54725%
Grange$1,638$2,62160%
Arbella$1,629$2,70966%
Acuity$1,361$2,769103%
Mercury$1,596$2,82877%
Travelers$1,919$2,89351%
American Family$1,920$3,11462%
Safety$1,392$3,129125%
Plymouth Rock$2,236$3,18342%
Shelter$1,927$3,32973%
Farm Bureau$1,931$3,34373%
Westfield$1,481$3,418131%
Auto-Owners$1,690$3,422102%
Nodak$2,917$3,76329%
Allstate$2,609$3,87549%
Grinnell Mutual$2,015$3,90294%
Co-Op$1,635$3,933141%
Safeway$3,080$4,06632%
The Hartford$2,688$4,12053%
Nationwide$2,226$4,37697%
State Farm$1,487$4,402196%
Geico$1,937$4,584137%
NJM$3,382$4,66138%
Farmers$3,091$4,75854%
UAIC$2,886$5,08376%
AAA$3,835$7,867105%
Amica$2,548$8,905249%
Island Insurance$1,319$11,270754%

New Hampshire is the best state for cheap car insurance after a DUI, based on our data. Drivers there pay an average of $2,113 a year for car insurance after a DUI.

Of the car insurance companies operating in New Hampshire, Hanover offers the lowest average rate of $994 a year.

MMG and Concord offer the cheapest DUI rates nationally, however, you may find cheaper insurance companies depending on the state you live in.

Cheapest car insurance companies after a DUI by state

StateAverage rate w/ DUICheapest companyCompany annual average rate
Alabama$3,135Progressive$2,212
Alaska$2,740Umialik$1,602
Arizona$4,307Progressive$2,564
Arkansas$3,170Farm Bureau$1,587
California$5,138Mercury$2,828
Colorado$4,021Progressive$2,566
Connecticut$5,534Allstate$4,129
Delaware$4,552Progressive$3,150
Florida$4,955Travelers$3,503
Georgia$3,872Allstate$2,523
Hawaii$5,305Farmers$2,866
Idaho$2,545Travelers$1,898
Illinois$3,364Travelers$1,954
Indiana$2,475Travelers$1,942
Iowa$3,110Progressive$2,157
Kansas$3,857American Family$1,659
Kentucky$4,605Farm Bureau$2,301
Louisiana$5,348Farm Bureau$2,291
Maine$2,314Concord$1,423
Maryland$3,627Erie$2,010
Massachusetts$3,386Progressive$2,079
Michigan$8,729Progressive$3,590
Minnesota$3,826Travelers$2,710
Mississippi$3,623Progressive$2,012
Missouri$2,983Progressive$2,245
Montana$3,588State Farm$1,888
Nebraska$3,472American Family$1,705
Nevada$5,086Travelers$2,934
New Hampshire$2,113Hanover$994
New Jersey$4,383Plymouth Rock$1,757
New Mexico$3,220Progressive$1,847
New York$3,900Progressive$1,175
North Carolina$5,207Progressive$2,717
North Dakota$3,553Progressive$1,849
Ohio$2,187Erie$1,522
Oklahoma$3,178Progressive$2,028
Oregon$3,194American Family$2,112
Pennsylvania$2,683The Hartford$1,737
Rhode Island$5,589Progressive$2,966
South Carolina$3,050Farm Bureau$1,946
South Dakota$3,416State Farm$1,984
Tennessee$2,508Progressive$1,804
Texas$2,700State Farm$1,324
Utah$3,640Progressive$1,846
Vermont$2,408State Farm$1,306
Virginia$2,547State Farm$1,222
Washington$2,853Geico$1,880
Washington, D.C.$3,537Progressive$2,464
West Virginia$2,997Erie$1,989
Wisconsin$2,441Erie$1,556
Wyoming$2,521State Farm$2,262

Where you live is just one of the factors that determines what you pay for car insurance. Other factors include:

  • Make and model of your car
  • Your insurance claim history
  • Your ZIP code
  • Your age

Car insurance companies weigh these factors differently. One may consider the make of your car a bigger risk factor than its competitors. Another may put your claim history first. This makes comparing quotes from several companies all the more important, especially with the price hikes that come with a DUI.

Find the Cheapest Car Insurance Quotes in Your Area

A DUI can result in higher insurance rates and affect you in other ways, too.

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.

Suspended license and SR-22

After a DUI conviction, your license may be suspended as well. 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

Auto insurers 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.

Methodology

LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of car insurance quotes for sample drivers. Your rates may vary.

Unless stated otherwise, we used thousands of car insurance quotes from across the U.S. for a 30-year-old man with a DUI driving a 2015 Honda Civic EX.

The following coverage limits were used:

  • Bodily injury liability: 50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive $500 deductible

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.