Key Takeaways
Although there is no unique sort of insurance known as DUI insurance, it is most usually used to refer to motor insurance following a DUI (Driving Under the Influence) charge.
Your rate will increase if you have a DUI conviction. Insurance companies may view DUI drivers as higher risk and refuse to cover them. After one DUI, a disclaimer of around 13% is required. Your chances of getting a second DUI increase by 13%.
After a DUI, your insurance alternatives may be more expensive or even limited, but that doesn't imply you don't have any. When shopping for cheap insurance after a DUI, make sure you follow these procedures.
If you want to get estimates before comparing real rates, using a service that gets quotations from multiple insurance companies at once is the most efficient method to do it.
| Company | Good Driver | One DUI | Average Rate Increase after a DUI |
|---|---|---|---|
| State Farm | $1414 | $1954 | 39% |
| Travelers | $1447 | $2162 | 50% |
| USAA | $1153 | $2207 | 90% |
| Erie | $1429 | $2370 | 66% |
| Progressive | $1904 | $2432 | 28% |
| Auto-owners | $1522 | $2936 | 91% |
| Farmers | $2136 | $2992 | 40% |
| All-state | $2034 | $3073 | 51% |
| Nationwide | $1552 | $3244 | 110% |
| Company | Average Rate Increase after a DUI |
|---|---|
| State Farm | 39% |
| Travelers | 50% |
| USAA | 90% |
| Erie | 66% |
| Progressive | 28% |
| Auto-owners | 91% |
| Farmers | 40% |
| All-state | 51% |
| Nationwide | 110% |
| State | Minimum Jail | Fines & Fees | Minimum License Suspension | Ignition Interlock Device |
|---|---|---|---|---|
| Alabama | Not required | Between $600 to $2,100 | 3 months or 90 days | Not required |
| Alaska | At least 72 hours | $1,500 | Minimum. 90 days | Required |
| Arizona | At Least 24 hours | $250 base fine | 90 to 360 days | Required |
| Arkansas | From 24 hours to 1 year | $150 to $1,000 | 6 months | Required |
| California | From 4 days to 6 months | $1,400 to $2,600 | 30 days to 10 months | Required, in some areas |
| Colorado | Up to 1 year in case of DUI | Up to $1,000 (DUI), or up to $500 (DWAI) | 9 months (DUI), none for DWAI | Not required |
| Connecticut | From 2 days up to 6 months | $500 to $1,000 | 1 year | Not required |
| Delaware | Maximum 6 months | $500 to $1,1500 | 1 to 2 years | Not required |
| D.C. | Maximum 90 days | $300 to $1,100 | 6 months | Not required |
| Florida | From 6 to 9 months | $500 to $2,000 | 180 days to 1 year | Required |
| Georgia | From 24 hours to 1 year | $300 to $1,000 | Up to 1 year | Not required |
| Hawaii | None | $150 to $1,000 | 90 days | Not required |
| Idaho | Maximum 6 months | Up to $1,000 | 90 to 180 days | Not required |
| Illinois | Maximum 1 year | Up to $2,500 | Min. 1 year | Required |
| Indiana | From 60 days to 1 year | $500 to $5,000 | Up to 2 years | Not required |
| Iowa | From 48 hours up to 1 year | $625 to $1,200 | 180 days | Required, if BAC above .10 |
| Kansas | 48 hour minimum | $750 to $1,000 | 30 days | Required |
| Kentucky | Not required | $600 to $2,100 | 90 days | Not required |
| Louisiana | From 2 days to 6 months | $1,000 | 90 days | Possible |
| Maine | 30 days | $500 | 90 days | Not required |
| Maryland | Maximum 1 year in case of DUI | Up to $1,000 DUI | Min 6 months (DUI & DWI) | Not required |
| Massachusetts | Up to 30 months | $500 to $5,000 | 1 year | Not required |
| Michigan | Up to 93 days | From $100 to $500 | Up to 6 months | Possible |
| Minnesota | Maximum 90 days | $1,000 | Up to 90 days | Required |
| Mississippi | Maximum 48 hours | $250 to $1,000 | 90 days | Not required |
| Missouri | Up to 6 months | Up to $500 | 30 days | Possible |
| Montana | From 2 days to 6 months | $300 to $1,000 | 6 months | Possible |
| Nebraska | From 7 to 60 days | Up to $500 | Up to 60 days | Not required |
| Nevada | From 2 days to 6 months | $400 to $1,000 | 90 days | Possible |
| New Hampshire | Not required | $500 to $1,200 | 6 months | Not required |
| New Jersey | Maximum 30 days | $250 to $500 | 3 months to 1 year | Possible |
| New Mexico | Maximum 90 days | Up to $500 | Up to 1 year | Required |
| New York | None | $500 to $1,000 | 6 months | Required |
| North Carolina | 24 hours (for level 5 offender) (however, if 3 aggravated factors are present then it will be Level 1A with minimum of 12 months) | $200 (for level 5 offender) | 60 days to 1 year | Not required |
| North Dakota | Not required | $500 to $750 | 91 to 180 days | Not required |
| Ohio | 3 days to 6 months | $250 to $1,000 | 6 months to 3 years | Not required |
| Oklahoma | 5 days to 1 year | Up to $1,000 | 30 days | Not required |
| Oregon | 2 days or 80 hours community services | $1,000 to $6,250 | 1 year | Required |
| Pennsylvania | None | $300 | No | Required, if refusal to take chemical test |
| Rhode Island | Up to 1 year | $100 to $500 | 2 to 18 months | Not required |
| South Carolina | 48 hours to 90 days | $400 to $1,000 | 6 months | Not required |
| South Dakota | Maximum 1 year | $1,000 | 30 days to 1 year | Not required |
| Tennessee | 48 hours up to 11 months | $350 to $1,500 | 1 year | Required |
| Texas | 3 to 180 days | Up to $2,000 | 90 to 365 days | Not required |
| Utah | 48 hours minimum | $700 min. | 120 days | Not required |
| Vermont | Maximum 2 years | Up to $750 | 90 days | Not required |
| Virginia | Minimum 5 days | Min. $250 | 1 year | Required (if BAC .15 or above) |
| Washington | From 24 hours to 1 year | $865.50 to $5,000 | 90 days to 1 year | Required |
| West Virginia | Maximum 6 months | $100 to $1,000 | 15 to 45 days | Possible |
| Wisconsin | None | $150 to $300 | 6 to 9 months | Not required |
| Wyoming | Maximum 6 months | Up to $750 | 90 days | Required – if BAC .15 or above |
Remove Superfluous Protection: You might also save money by eliminating optional perks like roadside assistance and rental car coverage.
Take into account Non-owner Policy: If you choose not to own a car you can get auto insurance that covers you when driving rental cars or borrowed vehicles.
Boost your Credit Rating: Most insurance companies utilize a credit-based insurance score to assist in deciding your auto premiums, with the exception of California, Hawaii, Massachusetts, Washington, Maryland, Michigan, Oregon, and Utah.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Anyone convicted of a DUI must have motor insurance coverage that matches the state's minimum requirements, which are now $15,000/$300,003. Under these situations you will need to obtain an SR-22 certificate, which is necessary for high-risk drivers:
Add yourself to a family member's insurance coverage. You can also join someone else's insurance, such as a family member or roommate. However, you and the insurance owner must have complete faith in one another, as you will both be responsible for each other's driving. If you or the policy owner are involved in an accident, you will almost certainly have to pay extra.
If you bring about an accident while under the influence of alcohol, your liability insurance will cover the other driver's medical bills, lost wages, and automobile repair or replacement costs. Most insurance companies consider DUI an act of negligence, which is covered by your insurance. However, an insurance company may deny your claim as you were involved in an illegal activity.
DUI coverage depends on the terms and conditions of your policy and may vary from person to person. Some insurance companies cover the loss of property, including DUI accidents. However, others may decline your claim and argue that DUI accidents are intentional and that insurance does not cover any act of intent.
If you get a DUI, the rates of your car insurance will rise by an average of 83%, or $1,484 annually. A ticket for drunk driving can affect your rates for a long time, in some states, for up to five years. To get your license back after a DUI, DWI, or DWAI charge, you will often have to fill out an SR-22 form.
A DUI affects your insurance rates drastically. The price of full coverage car insurance after a DUI can go up by an average of $1,484, which is almost 83% higher. In nine U.S. states, a single DUI can double the price of car insurance. At the same time, car insurance after DUI can triple the rates in Hawaii and North Carolina.
Whether your car insurance covers DUI accidents is to be determined by your specific insurance company. A few companies consider DUI an act of negligence, and liability coverage pays for the damage caused to the other person in a DUI accident.
Finding cheap car insurance with a DUI conviction can be a difficult task. However, state laws and regulations, population density, risk factors, weather patterns, and competition among insurance companies all play an important role in determining your premiums. Hence, the cheapest DUI insurance provider will vary depending on your location.
Fees vary from $150 to $2,500 depending on where you live and the legal fees associated with your case. Bail for defendants accused of felony DUI offenses can range between $50,000 and $100,000 or even more.
Although USAA insures drivers with a DUI, they may deny coverage if you have multiple DUIs or a DUI in addition to other significant risk factors. In this situation, your state government will assist you. Each state has a program that permits drivers unable to obtain auto insurance elsewhere to obtain a policy.
After being found guilty of driving under the influence, the service member who was detained and charged with DUI may be ordered to do corrective training, may be required to enroll in a substance abuse treatment program, and may potentially have their pass privileges revoked.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
Free quotes from 150+ carriers in seconds
