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A DUI is a serious offense, and subject to a lot of penalties – both legal and financial. A DUI conviction increases car insurance rates, but can also mean the loss of your license, fines, probation or jail time.

When you hear the term “DUI insurance,” it usually refers to the increase in car insurance rates after a DUI and any other associated requirements like filing an SR-22. A DUI on your record doesn't require a different type of car insurance policy, but your rates could more than double.

Below, we’ll cover what you can expect in terms of car insurance rates with a DUI, how to find affordable car insurance with a DUI and everything else you need to know.

KEY TAKEAWAYS
  • USAA has the cheapest rates overall among major companies after a DUI, while American Family is the cheapest for non-military drivers at $2,521.
  • The average cost of full coverage car insurance with a single DUI is $4,291.
  • You may be required to file an SR-22 after a DUI conviction to provide proof of insurance to the DMV.
  • A DUI conviction can affect your car insurance rates for three or more years.

What is “DUI insurance”?

There is no specific type of insurance called DUI insurance. When people refer to it, they really mean auto insurance after a DUI.

When you have a DUI conviction on your record, you can expect your car insurance rates to go up significantly. You’ll probably also have to file an SR-22, which is a form that proves you have the legally required amount of car insurance.

However, nothing else about your coverage will change, unless you choose to make changes to reduce your rates.

How much will my insurance go up after a DUI?

After a DUI, you can expect to see your rates double. The national average cost of a full coverage policy is $2,076 a year but after a DUI, that average climbs to $4,291.

DUI rates will differ based on many factors, including the state where you reside. There really isn't a "best" company when it comes to DUI. You'll have to shop around.

Below, we’ll take a look at some rates from top companies, based on a full coverage policy with limits of 100/300/100 and a $500 deductible. As you can see, shopping around can make a big difference if you have a DUI.

DUI car insurance rates by company

DUI Car Insurance Rates
CompanyAverage rateDUI rateDollar increasePercent increase
USAA$1,272$2,508$1,23697%
American Family$1,738$2,521$78345%
Progressive$1,933$2,753$82042%
State Farm$1,672$2,905$1,23374%
Travelers$1,882$3,279$1,39774%
Nationwide$1,523$3,403$1,880123%
Geico$1,352$3,573$2,221164%
Allstate$2,513$5,044$2,531101%
Farmers$2,740$6,019$3,279120%

Note: The table shows the average annual rates in 2022 based on a 40-year-old male driver. Data was provided for Insurance.com by Quadrant Information Services from a survey of all states.

DUI insurance rates by state

Car insurance after a DUI will also vary by state. Based on Insurance.com's 2022 analysis, Michigan is the most expensive state for drivers with a DUI conviction. The average cost of insurance with a DUI in Michigan increases by 157%. However, that’s not the largest increase. Rates go up by 307% on average in North Carolina, but rates in that state start out much lower than in Michigan. Here are the average car insurance rates and rate increases for a full coverage policy by state:

StateAverage rateRate with DUIPercent increaseDollar increase
Alaska$1,286$1,855$56944%
Alabama$1,580$2,781$1,20176%
Arkansas$1,652$2,994$1,34281%
Arizona$1,719$2,873$1,15467%
California$2,207$6,780$4,573207%
Colorado$2,125$3,506$1,38165%
Connecticut$1,529$2,862$1,33387%
Washington, D.C.$1,909$3,050$1,14160%
Delaware$1,791$3,109$1,31874%
Florida$2,981$4,551$1,57053%
Georgia$1,710$3,077$1,36780%
Hawaii$1,309$4,150$2,841217%
Iowa$1,241$1,790$54944%
Idaho$1,082$1,735$65360%
Illinois$1,559$2,798$1,23979%
Indiana$1,363$2,356$99373%
Kansas$1,557$2,670$1,11371%
Kentucky$2,086$3,950$1,86489%
Louisiana$3,126$5,348$2,22271%
Massachusetts$1,776$3,233$1,45782%
Maryland$2,172$3,807$1,63575%
Maine$1,068$1,663$59556%
Michigan$3,915$10,044$6,129157%
Minnesota$1,768$3,542$1,774100%
Missouri$2,669$3,904$1,23546%
Mississippi$1,535$2,779$1,24481%
Montana$1,709$2,764$1,05562%
North Carolina$1,442$5,870$4,428307%
North Dakota$1,357$2,550$1,19388%
Nebraska$1,926$3,600$1,67487%
New Hampshire$1,023$1,683$66065%
New Jersey$2,232$4,254$2,02291%
New Mexico$1,657$2,541$88453%
Nevada$2,427$4,169$1,74272%
New York$1,822$2,718$89649%
Ohio$1,136$1,861$72564%
Oklahoma$1,968$3,036$1,06854%
Oregon$1,484$2,404$92062%
Pennsylvania$1,508$2,765$1,25783%
Rhode Island$1,923$3,312$1,38972%
South Carolina$1,804$2,662$85848%
South Dakota$1,585$2,920$1,33584%
Tennessee$1,360$2,375$1,01575%
Texas$2,036$3,332$1,29664%
Utah$1,629$2,634$1,00562%
Virginia$1,319$2,202$88367%
Vermont$1,195$1,992$79767%
Washington$1,500$2,744$1,24483%
Wisconsin$1,818$3,364$1,54685%
West Virginia$1,474$2,669$1,19581%
Wyoming$1,880$3,481$1,60185%

Methodology: Insurance.com commissioned Quadrant Information Services in 2022 to field quotes in each state for a 2021 Honda Accord operated by male, age 40 and with 100/300/100 in liability coverage and $500 deductibles.

How to get cheap auto insurance after a DUI

High-risk drivers often find themselves paying higher prices for car insurance. You can look for cheaper DUI insurance rates with these tips:

  • Compare car insurance rates from multiple carriers.
  • Increase your deductibles to lower your premiums.
  • Ask about discounts you can still qualify for with a DUI, like bundling your home and auto policy.
  • Avoid other traffic violations.

Drunken driving laws by state

Governors Highway Safety Administration; as of April 2022

StateInc. Penalty for high BACAdmin License suspension after first offenseLimited driving privileges during suspensionIgnition InterlocksOpen container laws maintaining federal requirementRepeat offender laws maintaining federal reqirement
Alabama0.1590 daysMandatory for high BAC(above 0.15) and repeat convictions, highly incentivized for first convictionYesYes
Alaska90 daysAfter 30 daysMandatory for all convictionsNoNo
Arizona0.1590 daysAfter 30 daysMandatory for all convictionsYesYes
Arkansas6 monthsYesMandatory for all convictionsYesYes
California0.154 monthsAfter 30 daysMamdatory for all repeat and injury involved offenses, first time injury, or vehicular manslaughter offensesYesNo
Colorado0.153 monthsYesMandatory for high BAC(above 0.15) and repeat convictions, highly incentivized for first convictionYesNo
Connecticut90 daysyesHighly incentivized for all convictionsNoYes
Delaware0.153 monthsHighly incentivized for all convictionsNoYes
D.C0.20, 0.25 and 0.302-90 days or unHighly incentivized for all convictionsNoYes
Florida0.26 months for DUI and 12 months for refusalAfter 30 days for DUI, After 90 days for refusalYesYes
Georgia0.151 yearYesMandatory for repeat convictionsYesYes
GuamFrom 0.08 to 0.10DiscretionaryYesYes
Hawaii3 monthsAfter 30 daysMandatory for all convictionsNoNo
Idaho0.290 daysAfter 30 daysMansatory for all convictionsYesYes
Illinois0.166 monthsAfter 30 daysMandatory for all convictions and highly incentivized for first conviction
Indiana0.15180 daysAvailable immediatelyMandatory for repeat convictionsYesNo
Iowa0.15180 daysAfter 30 daysHighly incentivized for all convictionsYesYes
Kansas0.1530 daysHighly incentivized for all convictionsYesYes
Kentucky0.1530-120 daysYesMandatory for all convictionsYesYes
Louisiana0.15 and 0.20Mandatory for high BAC (0.20 and above) and repeat convictions; highly incentivized for first convictionsNoNo
Maine0.15150 daysYesHighly incentivized for all convictionsYesYes
Maryland0.15180 days for both 0.08 and 0.15, for first offenseYesMandatory for all convictionsYesYes
Massachussets0.290 daysYesMandatory for repeat convictionYesYes
Michigan0.1730-180 daysAfter 45 daysMandatory for high BAC (0.17) and repeat convictionsYesYes
Minnesota0.1690 daysAfter 15 daysHighly incentivized for high BAC (0.16) and repeat convictionsYesNo
Mississippi90 daysMandatory for all convictionsNoYes
Missouri0.1590 daysAfter 0 days with interlock use (restricted) After 30 days (restricted)Mandatory for repeat convictionsNoYes
Montana0.166 monthsYesMandatory for repeat convictionsYesNo
Nebraska0.1590 daysAfter 30 daysMandatory for all convictionsYesYes
Nevada0.1890 daysAfter 45 daysMandatory for all convictionsYesYes
New Hampshire0.166 monthsMandatory for all convictionsYesYes
New Jersey0.13 monthsMandatory for all convictionsYesYes
New Mexico0.16 (with mandatory jail for all offenses)<21 : 1 year >21: 6 monthsImmdiately with ignition interlockMandatory for all convictionsYesNo
New York0.18YesYesMandatory for all convictionsYesYes
North Carolina0.1530 daysAfter 10 daysMandatory for high BAC (>.15) and repeat convictionsYesYes
North Dakota0.1891 daysAfter 30 daysDiscretionaryYesYes
Northern Mariana Island30 days - 6 monthsYesYes
Ohio0.1790 daysAfter 15 daysMandatory for repeat convictionsNoNo
Oklahoma0.15180 daysYesMandatory for high BAC (0.15 and above) and repeat convictions; highly incentivized for first convictionsYesYes
Oregon0.1590 daysAfter 30 daysMandatory for all convictions and diversionsYesNo
Pennslyvania0.10 and 0.16Uses programs called Occupational Limited License (OLL) and Ignition Interlock Limited License (IILL)Mandatory for high BAC (>.10) and repeat convictionsYesYes
Rhode Island0.1 and 0.1530-180 daysMandatory for all convictionsYesNo
South Carolina0.10 and 0.161 month for BAC >0.15YesMandatory for both high BAC (.15 or higher) and repeat convictionsYesYes
South Dakota0.1730 daysYesDiscretionaryYesNo
Tennessee0.21 yearYesMandatory for repeat convictions; highly incentivized for first convictionsNoYes
Texas0.1590 days for BAC >0.08; 180 days for refusalYesMandatory for repeat convictionsYesYes
Utah0.16120 daysMandatory for repeat convictions; highly incentivized for first convictionsYesYes
Vermont90 daysHighly incentivized for all convictionsYesNo
Virgin IslandsVariableYesYesYes
Virginia0.15 and 0.207 daysMandatory for repeat convictions; highly incentivized for first convictionsNoYes
Washington0.1590 daysWith an ignition interlock driver’s licenseMandatory for all convictionsYesNo
West Virginia0.156 monthsAfter 30 daysMandatory for high BAC (>.15) and repeat convictionsYesYes
Wisconsin0.17, 0.20 and 0.256-9 monthsYesMandatory for high BAC (>.15) and repeat convictionsYesYes
Wyoming0.1590 daysYesMandatory for high BAC (>.15) and repeat convictionsNoNo
  • Louisiana requires a 45-day hard suspension of driving privileges for a second DWI conviction.
  • Michigan has administrative license suspension for refusal to submit to a chemical test.
  • Pennsylvania uses programs called Occupational Limited License (OLL) and Ignition Interlock Limited License (IILL).
  • South Dakota has administrative license suspension for 30 days for refusal to submit to a chemical test.

Frequently asked questions: DUI and car insurance

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. On average, 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% safe-driver discount for 10 years from the date of your DUI conviction.

How do auto insurance companies find out about a DUI?

If you have not already told your insurer about the DUI, they will find out upon renewal when they check DMV records.

Do you lose your driver’s license immediately with a DUI?

In most cases, yes. If you get a DUI or DWI in most states, your license will be suspended for a specific period. The length of the suspension can vary depending on your location and whether you have had a DUI in the past. You can find specific information about DUIs and suspended licenses on your state's DMV website.

Can you drive with a DUI before your court date?

Yes, it is possible to get behind the wheel with a DUI before your court date. Depending on where you live, you might be able to get a license that will let you drive to and from work and school even if your regular license is suspended – a hardship license.

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