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DUI Insurance

By Posted : 10/13/2015

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You’ve just received a DUI (Driving Under the Influence), DWI (Driving While Intoxicated), or OUI (Operating Under the Influence), and now are concerned about your car insurance costs, in addition to everything else. We won’t address the “everything else” in your life, but we will alleviate your concerns and guide you through the process. We’ll show you how to get the cheapest DUI insurance, quotes from multiple top carriers, and lessen some of your concerns along the way.

You’re only minutes away from being more informed about your insurance options and ready to shop for car insurance, so let’s get started.

Note: DWI insurance and OUI insurance can follow the same guidance given here for DUI. Most times the terms are used interchangeably. A DWI is closely related to a DUI. A DWI is an impairment from alcohol, while a DUI can be an impairment from prescription drugs and marijuana in addition to alcohol.

How to get cheap DUI insurance

Car insurance after a DUI can be expensive, so you'll need to compare auto insurance quotes from multiple carriers to evaluate which companies offer the best DUI rates. The impact of a DUI on insurance rates varies greatly depending on the company. We offer proof of this below and it's the reason we suggest comparing quotes from multiple carriers. If you find that your current company is not offering you the best rate, then it's time to switch car insurance companies. Switching is easy enough and will require you to cancel your current policy. We can guide you through both.

Company rates and differences

Many companies offer DUI car insurance, but the rates they offer differ widely. DUI rates will differ by many factors, including the state you live in (see our "DUI rates by state" table below), so there really isn't a "best" company when it comes to DUI. You'll have to shop around. Here is an example of how your rates will be affected by a first DUI offense in California:

California rates by company

 Company   Clean Driver rate    DUI rate      $$$ Increase   % Increase 
 Company 1         $1,381   $5,336      $3,985     289%
 Company 2       $962   $2,605      $1,643     171%
 Company 3       $1,874   $3,956      $2,082     111%
 Company 4       $1,312   $2,679      $1,367     104%
 Company 5       $1,912   $3,539      $1,628     85%
 Company 6        $1,325   $4,446      $3,121     236%
 Average      $1,461   $3,765      $2,304     158%

Florida rates by company

 Company  Clean Driver rate   DUI rate      $$$ Increase   % Increase 
 Company 1      $2,214   $3,743      $1,528     69%
 Company 2      $1,682   $2,181      $499     30%
 Company 3      $1,308   $6,439      $5,131     392%
 Company 4      $1,469   $1,886      $417     28%
 Company 5      $1,220   $1,220      $0     0%
 Company 6        $883   $967      $84     9%
 Average      $1,463   $2,739      $1,276     87%

Note: The table shows the average annual rate of 10 zip codes in the state from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO, and Farmers. Data was provided for Insurance.com by Quadrant Information Services.

As you can see, your rates can be drastically increased by $1,367 to $3,985, depending on the company you choose.

If you're ready to start comparing side-by-side quotes now, then start comparing quotes.

DUI insurance cost

The cost can be expensive, ranging from an average premium increase of 12% to 321% depending on your state. The average cost of car insurance with a DUI is $2,143. Check out how much your rate may be affected in your state by viewing the "DUI rates by state" table below.

The increase in insurance cost is largely due to the increase in risk you pose. That goes not only for DUIs, but other violations and infractions that place drivers in the high-risk auto insurance category.

Non-owner SR-22 insurance

Non-owner SR-22 insurance is a great way to get cheap insurance rates if you have a DUI, need to file an SR-22, and don't own a vehicle. The reduction in price is because you don't have "regular access to a car" and you will only carry liability insurance coverage.  Liability coverage is cheap because it only covers the injuries or property damage you cause in an at-fault accident, not the vehicle you are driving.

Also, a non-owners policy is a great way to keep continuous insurance coverage, which is an important factor in receiving lower rates in the future.

For this type of insurance, you'll have to call Insurance.com at 844-520-1574. One of our licensed agents will answer any questions you have, discuss your quote options, and even allow you to purchase a DUI insurance policy over the phone.

SR-22 and FR-44 insurance

The SR-22 and FR-44 are certificates of financial responsibility that many states require when you reinstate your driver's license after a DUI. These certificates are not limited to just alcohol-related driving offenses. They are also related to DWIs and OUIs. Your insurance company must file these certificates with the DMV on your behalf.

How long does a DUI affect insurance?

Insurance company guidelines, governed by state laws, dictate how long your rates will be affected by a DUI conviction. As with most minor or major convictions, a DUI will raise your car insurance rates for three years.

If your state keeps the offense on your record longer than three years, and many do, it's common for this offense to affect your car insurance rates for five to seven years or more. For instance, in California, a DUI prevents you from receiving a 20 percent safe-driver discount for 10 years from the date of your DUI conviction.

DUI insurance rates by state

 State   Avg. rate   Range      % Increase 
 Total  $927  $2,415     82%
 Alaska   $583  $1,841     48%
 Alabama   $812  $1,662     71%
 Arkansas   $809  $2,197     59%
 Arizona   $1,523  $6,791     219%
 California   $2,304  $2,618     166%
 Colorado   $565  $1,448     54%
 Connecticut   $995  $2,675     66%
 DC, Washington    $778  $1,725     54%
 Delaware   $1,574  $4,834     99%
 Florida   $1,276  $1,276     88%
 Georgia   $762  $1,458     75%
 Hawaii   $2,008  $4,831     207%
 Iowa   $406  $1,104     48%
 Idaho   $457  $886     63%
 Illinois   $580  $1,452     64%
 Indiana   $701  $1,762     76%
 Kansas   $675  $2,372     75%
 Kentucky   $999  $2,633     108%
 Louisiana   $843  $1,882     57%
 Massachusetts   $1,160  $1,406     86%
 Maryland   $151  $348     12%
 Maine   $628  $1,725     93%
 Michigan   $4,040  $15,147      139%
 Minnesota   $1,315  $3,219     98%
 Missouri   $511  $1,440     53%
 Mississippi   $695  $1,585     59%
 Montana   $927  $2,739     62%
 North Carolina   $2,370  $2,880     321%
 North Dakota   $778  $1,861     57%
 Nebraska   $724  $2,131     78%
 New Hampshire   $911  $2,116     110%
 New Jersey   $1,151  $4,351     94%
 New Mexico   $661  $1,605     68%
 Nevada   $582  $1,384     60%
 New York   $808  $2,414     69%
 Ohio   $402  $944     53%
 Oklahoma   $1,056  $3,300     75%
 Oregon   $627  $1,459     58%
 Pennsylvania   $717  $1,855     69%
 Rhode Island   $1,385  $2,974     103%
 South Carolina   $511  $1,530     50%
 South Dakota   $439  $1,304     40%
 Tennessee   $937  $2,334     81%
 Texas   $851  $1,220     71%
 Utah   $537  $1,207     64%
 Virginia   $566  $1,125     70%
 Vermont   $492  $885     63%
 Washington   $666  $1,326     62%
 Wisconsin  $554  $1,233     76%
 West Virginia  $988  $2,865     70%
 Wyoming  $708  $1,973     61%
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