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DUI Insurance

By Posted : September 4, 2018

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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 with regards to car insurance. 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. You'll see in the chart below that rates for a first-offense DUI vary among companies. Insurance.com's analysis shows that State Farm offers the cheapest DUI car insurance rates, on average. The difference between the cheapest DUI average rate from State Farm ($1,633) and the most expensive from Nationwide ($3, 563) is nearly $2,000. So, even with this major citation, you can still save quite a bit by comparing car insurance quotes.

DUI car insurance rates by company

CompanyAverage rateDUI rateDollar increasePercent increase
State Farm$1,186$1,633$44738%
Progressive$1,518$2,019$50133%
Farmers$1,520$2,228$70847%
Allstate$1,898$3,132$1,23465%
Nationwide$1,586$3,563$1,977125%

Note: The table shows the average annual rate of 10 ZIP codes in the state. Data was provided for Insurance.com by Quadrant Information Services.

A survey commissioned by Insurance.com of 1,000 drivers shows that the majority of motorists don't realize that you can save money by comparing rates after a major violation. Fifty-five percent of those surveyed said it was better to stick with your current insurer after a DUI, leaving 45 percent correctly answering that you should shop around.

As you can see in the table above, you can wind up paying -- or saving --  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: How much is DUI insurance?

The cost can be expensive, ranging from an average premium increase of 28 percent to 371 percent depending on your state.

  • The average cost of car insurance with a DUI is $2,610.
  • The average percent car insurance increase for a DUI is 80 percent.
  • The average dollar car insurance increase for a DUI is $1,163.

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

StateAverage rateRate with DUIPercent increaseDollar increase
Michigan$2,368$8,268249%$5,900
North Carolina$1,170$5,508371%$4,338
California$1,783$5,093186%$3,310
Hawaii$1,255$3,866208%$2,611
Arizona$1,399$3,423145%$2,024
New Jersey$1,419$3,292132%$1,873
Delaware$1,838$3,32681%$1,488
Georgia$1,815$3,22678%$1,411
Rhode Island$2,011$3,38068%$1,369
Florida$2,250$3,61461%$1,364
West Virginia$1,467$2,65881%$1,191
Minnesota$1,339$2,52288%$1,183
Colorado$1,675$2,83469%$1,159
New Mexico$1,498$2,62875%$1,130
Wyoming$1,577$2,70371%$1,126
Massachusetts$1,616$2,71168%$1,095
Louisiana$2,228$3,29248%$1,064
Kentucky$1,611$2,63363%$1,022
Arkansas$1,556$2,56365%$1,007
Illinois$1,176$2,18286%$1,006
Alabama$1,304$2,30777%$1,003
Texas$1,644$2,61959%$975
Montana$1,589$2,54460%$955
Connecticut$1,980$2,93348%$953
DC$1,887$2,78748%$900
Mississippi$1,504$2,39559%$891
Tennessee$1,339$2,23067%$891
Nebraska$1,287$2,15968%$872
South Dakota$1,250$2,12070%$870
Kansas$1,412$2,25960%$847
Oregon$1,325$2,15763%$832
Missouri$1,288$2,11764%$829
North Dakota$1,123$1,93072%$807
South Carolina$1,353$2,15159%$798
Washington$1,307$2,07959%$772
Pennsylvania$1,438$2,19252%$754
Iowa$1,073$1,81869%$745
Nevada$1,578$2,29245%$714
New Hampshire$1,156$1,85861%$702
Idaho$1,019$1,71568%$696
Utah$1,212$1,86854%$656
Oklahoma$1,469$2,11244%$643
Virginia$993$1,61963%$626
Ohio$959$1,55362%$594
New York$1,214$1,79047%$576
Alaska$1,246$1,81346%$567
Wisconsin$1,147$1,67446%$527
Vermont$1,166$1,64141%$475
Maryland$1,541$1,97528%$434
Indiana$1,057$1,45037%$393
Maine$884$1,20937%$325
Average$1,447$2,61080%$1,163

Methodology: Insurance.com commissioned Quadrant Information Services to field quotes from up to six major insurers for 10 ZIP codes in each state for a 2017 Honda Accord operated by male, age 40. Base rate is for $100,000 per person in bodily injury liability, up to $300,000 per accident, and $300,000 property damage liability limits; comprehensive and collision coverage with a $500 deductible.

 

Drunken driving laws by state

Governors Highway Safety Administration; as of April 2018

StateInc.Penalty for High BACAdmin. License Susp. on 1st OffenseLimited Driving Privileges During Susp.Ignition InterlocksVehicle and License Plate SanctionsOpen Container Laws*Repeat Offender Laws*Alcohol Exclusion Laws Limiting Treatment
*Meeting Federal Requirements
Alabama0.1590 daysMandatory for repeat convictionsYesYesYes
Alaska0.1590 daysAfter 30 daysMandatory for all convictionsVehicle impoundmentYes
(at judges' disc.)
Arizona0.1590 daysAfter 30 daysMandatory for all convictionsImmobilization or impoundmentYesYes
Arkansas0.156 monthsYesMandatory for all convictionsVehicle confiscationYesYesYes
California0.154 monthsAfter 30 daysDiscretionaryImpoundment, vehicle confiscationYesYes
Mandatory for all convictions in Alameda, Los Angeles, Tulare and Sacramento counties (pilot project)
Colorado0.153 monthsYesHighly incentivized for all convictionsYesYes
Connecticut0.1690 daysYesMandatory for all convictionsYes
Delaware0.163 monthsMandatory for all convictionsVehicle sanction and license plate impoundmentYesYes
D.C..20 and .252-90 days or until depositionYesDiscretionaryYesYes
Florida0.26 months for DUIAfter 30 daysMandatory for high BAC (>.15)convictionsImpoundment, vehicle forfeitureYesYesYes
12 months for refusalAfter 90 days
Georgia0.151 yearYesMandatory for repeat convictionsVehicle confiscationYesYesYes
GuamFrom .08 to.10DiscretionaryYesYes
Hawaii0.153 monthsAfter 30 daysMandatory for all convictionsYesYesYes
Idaho0.290 daysAfter 30 daysMandatory for all convictions(eff. 1/1/19)YesYesYes
Illinois0.166 monthsAfter 30 daysMandatory for all convictionsImpoundment, vehicle confiscationYesYes
Indiana0.15180 daysAfter 30 daysDiscretionaryVehicle confiscationYesYes
Iowa0.15180 daysAfter 30 daysMandatory for all convictions(eff. 7/1/18)YesYes
Kansas0.1530 daysMandatory for all convictionsYesYesYes
Kentucky0.1830 - 120daysYesMandatory for high BAC (>.15) and repeat convictionsImpoundmentYesYesYes
Louisiana1.15 and .20See footnoteMandatory for all convictionsVehicle confiscationYes
Maine0.1590 daysYesHighly incentivized for all convictionsVehicle confiscationYesYes
Maryland90 daysYes, w/ interlockMandatory for all convictionsYesYes
Massachusetts.20 (appliesto ages 17-21)90 daysYesMandatory for repeat convictionsVehicle confiscationYesYesYes
Michigan20.17See footnoteAfter 45 daysMandatory for high BAC convictions, restricted driving conditionsVehicle confiscationYesYesYes
Minnesota0.1690 daysAfter 15 daysMandatory for high BAC and repeat convictionsImpoundment, vehicle confiscation,special plates/YesYesYes
markings
Mississippi90 daysMandatory for all convictionsImpoundment, vehicle confiscationYesYes
Missouri0.1590 daysAfter 0 days w/ interlock use (restricted)Mandatory for repeat convictionsVehicle forfeiture or impoundment (cities w/ 100,000+allowed to enact ordinance)YesYes
After 30 days
(restricted)
Montana0.166 monthsYesMandatory for repeat convictionsImpoundment, vehicle confiscationYesYesYes
Nebraska0.1590 daysAfter 30 daysMandatory for all convictionsVehicle immobilization, continuous alcohol monitoringYesYesYes
Nevada0.1890 daysAfter 45 daysMandatory forall convictionsYesYes
New Hampshire0.166 monthsMandatory for high BAC convictionsYesYesYes
New Jersey0.1Mandatory for high BAC (>.15) and repeat convictionsYesYesYes
New Mexico.16 (w/ mand. jail on all offenses)<21: 1 yr.;Immediately w/ Ignition InterlockMandatory for all convictionsImmobilization of vehicle for driving while revokedYesYes
>21: 6 mo.
New York0.18YesYesMandatory for all convictionsYesYesYes
North Carolina0.1530 daysAfter 10 daysMandatory for high BAC (>.15) and repeat convictionsVehicle confiscationYesYes
North Dakota0.1891 daysAfter 30 daysDiscretionaryVehicle confiscation, license plate removalYesYesYes
Northern Mariana Islands30 days -YesYes
<6 months
Ohio0.1790 daysAfter 15 daysMandatory for repeat convictionsImpoundment, vehicle confiscation or immobilization, restricted platesYesYes
Oklahoma0.15180 daysYesMandatory for all convictionsYesYesYes
Oregon0.1590 daysAfter 30 daysMandatory for all convictions and diversionsYesYes
Pennsylvania30.1See footnoteMandatory for high BAC (>.10) and repeat convictionsYesYesYes
(eff. 8/25/17)
Rhode Island.10 and .15Mandatory for all convictionsJudicial discretion on 3rd or subsequent convictionYes
South Carolina0.151 month(for >.15 BAC)YesMandatory for repeat convictions and for first-time offenders convicted of having a blood alcohol concentration (BAC) of 0.15% orhigherVehicle confiscationYesYesYes
South Dakota40.17See footnoteYesDiscretionaryYes
Tennessee0.21 yearYesMandatory for all convictionsVehicle confiscation on 2nd or subsequentconvictionYesYesYes
Texas0.1590 days if.08 or greater; 180 days for refusalYesMandatory for repeat convictionsVehicle confiscationYesYesYes
Utah0.16120 daysMandatory for all convictionsImpoundmentYesYesYes
Vermont90 daysMandatory for repeat convictionsImpoundment, vehicle confiscationYesYes
Virgin IslandsVariableYesRevoke license plateYesYes
Virginia.15 and .207 daysMandatory for all convictionsVehicle confiscationYesYes
Washington0.1590 daysWith an ignition interlockdriver’s licenseMandatory for all convictionsMandatory tow and 12 hour impoundYes
West Virginia0.156 monthsAfter 30 daysMandatory for high BAC (>.15) and repeat convictionsYesYesYes
Wisconsin.17, .20 and.256 monthsYesMandatory for high BAC (>.15) and repeat convictionsYesYesYes
Wyoming0.1590 daysYesMandatory for high BAC (>.15) and repeat convictionsYes
Total States48 + D.C., 1Terr.44 + D.C.,2 Terr.38 + D.C., 1Terr.Mandatory ForVaries33 + 3Terr.28 +D.C., 3Terr.37
All (25)
High BAC (3)
Repeat (9)
High BAC & Repeat (8)
Disc.: 5 + D.C.

1  Louisiana requires a 45 day hard suspension of driving privileges for a second DWI conviction.

2  Michigan has administrative license suspension for for refusal to submit to chemical test.

3  Pennsylvania uses programs called Occupational Limited License (OLL) and Ignition Interlock Limited License (IILL).

4  South Dakota has administrative license suspension for 30 days for refusal to submit to chemical test.

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