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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 regard to car insurance. We’ll show you how to get the cheapest DUI insurance, reveal rates from multiple top carriers in each state, and lessen some of your concerns along the way.

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 impairment from alcohol, while a DUI can be impairment from prescription drugs and marijuana in addition to alcohol.

  • Insurance.com's analysis shows that State Farm($1,633) offers the cheapest DUI car insurance rates, on average.
  • A DUI might result in a higher insurance premium, depending on the company. The average cost of car insurance with a DUI is $2,610.
  • You may be required to file an SR-22 after a DUI conviction to provide proof of insurance to the DMV.
  • According to the guidelines set by state law and your insurance company, a DUI could affect your car insurance rates for up to three years.

What is DUI insurance?

Though there is no specific type of insurance called DUI insurance, when someone refers to it, they are most commonly referring to auto insurance after a DUI.

How does a DUI affect your insurance? Since auto insurance is all about risk from the insurance company's perspective, a DUI conviction will almost always result in a sharp increase in auto insurance rates and potentially even difficulty obtaining insurance. A DUI conviction makes you a high-risk driver.

How to get cheap DUI insurance

High-risk drivers often find themselves paying higher prices for car insurance. But there is hope. You can get cheap DUI insurance rates following these steps:

  • Compare car insurance rates from multiple carriers immediately- 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. 
  • Disclose your DUI status to insurer- An insurer might not know you have a DUI if you do not tell them when they ask. To get an accurate quote, you need to share any traffic infractions, including DUIs on your record. 
  • Get multiple quotes- 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. 
  • Switch carrier after three years- If you find that your current company isn't offering you the best rate, 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.
  • Avoid any other traffic violations- There are ways to keep your car insurance rates low after a DUI. Avoid getting into an accident or receiving speeding tickets, as those will raise premiums too.

How much will my insurance go up after a DUI?

Many companies offer DUI car insurance, but the rates they offer differ widely. After a DUI, you can expect to see your rates climb by 80%, on average. The national average annual rate for car insurance is $1447 but after a DUI that average climbs to $2,610.

DUI rates will differ based on many factors, including the state where you reside (see our "DUI rates by state" table below). 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

Average Car Insurance Rates by Company
CompanyAverage rateDUI rateDollar increasePercent increase
State Farm$1,186$1,633$44738%

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 showed 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% 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.

DUI insurance rates by state

You can expect a hefty increase in your insurance rates if you get caught driving under the influence. The financial penalties will vary depending on where you live, but it's likely that your annual premium would go up, at least until this conviction remains on record.

The state you live in affects how much money you have to pay for car insurance after a DUI. Based on Insurance.com's analysis, Michigan is the most expensive state for drivers with a DUI conviction. The average cost of insurance after DUI in Michigan increases by 249% after a DUI. Here are the average car insurance rates and rate increases by state:

StateAverage rateRate with DUIPercent increaseDollar increase
North Carolina$1,170$5,508371%$4,338
New Jersey$1,419$3,292132%$1,873
Rhode Island$2,011$3,38068%$1,369
West Virginia$1,467$2,65881%$1,191
New Mexico$1,498$2,62875%$1,130
South Dakota$1,250$2,12070%$870
North Dakota$1,123$1,93072%$807
South Carolina$1,353$2,15159%$798
New Hampshire$1,156$1,85861%$702
New York$1,214$1,79047%$576

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.

DUI insurance cost: How much is DUI insurance?

The cost can be expensive, ranging from an average premium increase of 28% to 371% 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%.
  • The average dollar car insurance increase for a DUI is $1,163.

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.

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 aren't 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.

Drunken driving laws by state

Governors Highway Safety Administration; as of December 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

(at judges' disc.)

90 daysAfter 30 daysMandatory for all convictionsVehicle impoundmentYes
Arizona0.1590 daysAfter 30 daysMandatory for all convictionsImmobilization or impoundmentYesYes
Arkansas0.156 monthsYesMandatory for all convictionsVehicle confiscationYesYesYes
California0.154 monthsAfter 30 daysDiscretionary; mandatory for all convictions in Alameda, Los Angeles, Tulare and Sacramento counties (pilot project)Impoundment, vehicle confiscationYesYes
Colorado0.153 monthsYesHighly incentivized for all convictionsYes
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 DUI, 12 months for refusalAfter 30 days for DUI, after 90 days for refusalMandatory for high BAC (>.15) convictionsImpoundment, vehicle forfeitureYesYesYes
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 convictionsYesYesYes
Illinois0.166 monthsAfter 30 daysMandatory for all convictionsImpoundment, vehicle confiscationYesYes
Indiana0.15180 daysAfter 30 daysDiscretionaryVehicle confiscationYesYes
Iowa0.15180 daysAfter 30 daysMandatory for all convictionsYesYes
Kansas0.1530 daysMandatory for all convictionsYesYesYes
Kentucky0.1830-120 daysYesMandatory for high BAC (>.15) and repeat convictionsImpoundmentYesYesYes
Louisiana1.15 and .20See footnoteMandatory for all convictionsVehicle confiscationYes
Maine0.1590 daysYesHighly incentivized for all convictionsVehicle confiscationYes
Maryland90 daysYes, w/interlockMandatory for all convictionsYesYes
Massachusetts.20 (applies to 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/YesYes
Mississippi90 daysMandatory for all convictionsImpoundment, vehicle confiscationYesYes
Missouri0.1590 daysAfter 0 days w/ interlock use (restricted), after 30 days (restricted)Mandatory for repeat convictionsVehicle forfeiture or impoundment (cities w/ 100,000+allowed to enact ordinance)YesYes
Montana0.166 monthsYesMandatory for repeat convictionsImpoundment, vehicle confiscationYesYes
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.; >21: 6 mo.Immediately w/ Ignition InterlockMandatory for all convictionsImmobilization of vehicle for driving while revokedYesYes
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-<6 monthsYesYes
Ohio0.1790 daysAfter 15 daysMandatory for repeat convictionsImpoundment, vehicle confiscation or immobilization, restricted platesYes
Oklahoma0.15180 daysYesMandatory for all convictionsYesYesYes
Oregon0.1590 daysAfter 30 daysMandatory for all convictions and diversionsYes
Pennsylvania30.1See footnoteMandatory for high BAC (>.10) and repeat convictionsYesYesYes
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 subsequent convictionYesYesYes
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 For all (29), high BAC (3), repeat (9), high BAC and repeat (5) and disc. (5 and D.C.)Varies29 + 3Terr.22 +D.C., 3Terr.37
  • 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 about DUI 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. 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% 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 the DMV records.

How much does insurance go up after a DUI?

After a DUI, you should expect auto insurance rates to climb anywhere from 28% to 371% depending on your state and the conviction.

What happens to car insurance after a DUI?

A few things can happen to auto insurance after a DUI.

  • Auto insurance rates after a DUI will likely increase upon renewal
  • The insurance company may cancel your policy
  • You may find it difficult to get insured at an affordable rate as a high-risk driver

How can I save money on car insurance after a DUI?

While an increase to your auto insurance rates after a DUI is inevitable, there may be some things you can do to help offset some of the increase.

  • Look for car insurance discounts you may not already be getting
  • Consider bundling all insurance policies with one insurance company to get a bundle discount
  • Shop around by comparing rates after a DUI with multiple insurance companies
  • Take a safe driving course
  • Maintain an impeccable driving record and avoid any unnecessary insurance claims

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 the DMV records. Insurers check your driving records at different times, but many of them do it when you are renewing your insurance.

Your insurance company might find out about your DUI if you need to file an SR-22. If you're convicted of a DUI or DWI, you need an SR-22 form to reinstate your driving privileges. Your insurance company needs to file an SR-22 with the DMV on your behalf.

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

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. Although you will have your license taken away by the police when charged with DUI but you can still drive temporarily. You'll receive an appropriate temporary driver’s license that lasts 30 days.

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.

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