Maryland DUI and insurance: How much does a DUI raise your insurance?

Does a DUI raise car insurance rates in Maryland?

With a clean driving record, car insurance in Maryland costs $1,746. However, after a DUI, the average rate rises to $3,186, which is $1,440 higher.

Auto insurers raise premiums significantly when they view you as a high-risk driver. If you receive multiple DUIs, average rates rise sharply to $3,820.

How much does a DUI raise your insurance in Maryland?

The most affordable insurer after a DUI is GEICO, offering average annual rates of $1,547. The second-lowest option is Erie Insurance, which costs $390 more than GEICO. State Farm provides the third-cheapest car insurance rates for drivers with a DUI.

Not only is driving under the influence dangerous, but it's also expensive. You'll face hefty fines and increased car insurance rates for years. However, every company weighs a DUI differently and offers different rates, so comparing quotes from multiple insurers is essential.

This table shows average car insurance rates after a DUI in Maryland.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
GEICO	$1,262	$1,547	$1,901
Erie Insurance	$1,685	$1,937	$1,937
State Farm	$2,177	$2,335	$2,335
Travelers	$1,523	$2,441	$3,528
Progressive	$1,895	$2,514	$3,293
Nationwide	$1,363	$3,257	$3,257
Allstate	$3,108	$4,058	$4,058
Kemper	$1,603	$4,356	$6,272
USAA	$1,043	$2,783	$3,493

Read our methodology

PEOPLE ASK:

What happens when you get a DUI in Maryland?

If you're convicted of a DUI in Maryland, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for life.

If someone gets a DUI in your car, does it go on your insurance?

Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.

However, your premiums may increase if your vehicle is involved in a crash resulting from a DUI. Your car may also be held as a crime scene after the incident, which means you won't be able to access it until the police have cleared it.

How long does a DUI affect your insurance in Maryland?

Even though a DUI may remain on your driving record for life, it won't affect your insurance rates forever. In Maryland, a DUI impacts car insurance and stays on your record for life. Your premiums should begin to decrease after a few years of keeping a clean driving record without further violations.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.

How much does a DUI raise insurance by age group?

Younger drivers typically pay higher car insurance rates than older, more seasoned drivers because they have less driving experience. While a DUI increases costs for everyone, a teen's premiums climb even more after a conviction. The average car insurance rate for a teen with a DUI is $4,523.

These are the cheapest companies after a DUI by age:

For teens: Erie Insurance is the cheapest at $4,523.
For young adults: GEICO offers the cheapest young adult coverage at $2,000.
For adults: GEICO, with an average rate of $1,547.
For seniors: GEICO has the most affordable average rate at $1,678.

This table shows how a DUI affects car insurance rates based on age group.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Erie Insurance	$3,711	$4,523	$812	22%
Progressive	$5,033	$5,854	$821	16%
Nationwide	$4,728	$6,408	$1,680	36%
State Farm	$6,080	$6,563	$483	8%
GEICO	$4,450	$6,713	$2,263	51%
Travelers	$4,340	$6,728	$2,388	55%
Kemper	$4,682	$10,838	$6,156	131%
Allstate	$9,802	$10,910	$1,108	11%
Erie Insurance	$3,711	$4,523	$812	22%
Progressive	$5,033	$5,854	$821	16%
Nationwide	$4,728	$6,408	$1,680	36%
State Farm	$6,080	$6,563	$483	8%
GEICO	$4,450	$6,713	$2,263	51%
Travelers	$4,340	$6,728	$2,388	55%
Kemper	$4,682	$10,838	$6,156	131%
Allstate	$9,802	$10,910	$1,108	11%
USAA	$3,097	$5,412	$2,315	75%
USAA	$3,097	$5,412	$2,315	75%

How much does a DUI raise your insurance in your city?

The least expensive city in Maryland for car insurance after a DUI is Boonsboro, while the costliest city is Baltimore, with an average rate of $4,290. Your location influences your insurance costs, even without a DUI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A DUI then raises those already elevated rates even more.

This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Aberdeen	$1,750	$3,160	$1,410	81%
Baltimore	$2,345	$4,290	$1,945	83%
Beltsville	$2,072	$3,786	$1,714	83%
Bladensburg	$2,253	$4,052	$1,799	80%
Boonsboro	$1,470	$2,635	$1,165	79%
Brunswick	$1,529	$2,736	$1,207	79%
Henderson	$1,507	$2,721	$1,214	81%
Laurel	$1,928	$3,523	$1,595	83%
Luke	$1,488	$2,683	$1,195	80%
Maryland City	$1,772	$3,233	$1,461	82%
Aberdeen	$1,750	$3,160	$1,410	81%
Baltimore	$2,345	$4,290	$1,945	83%
Beltsville	$2,072	$3,786	$1,714	83%
Bladensburg	$2,253	$4,052	$1,799	80%
Boonsboro	$1,470	$2,635	$1,165	79%
Brunswick	$1,529	$2,736	$1,207	79%
Henderson	$1,507	$2,721	$1,214	81%
Laurel	$1,928	$3,523	$1,595	83%
Luke	$1,488	$2,683	$1,195	80%
Maryland City	$1,772	$3,233	$1,461	82%

Read our methodology

How to get car insurance after a DUI in Maryland

Insurers will label you as a high-risk driver after a DUI, but that doesn't mean you can't get car insurance. Finding the best fit after a DUI conviction may require a little work.

If you have car insurance and get a DUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.

If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Maryland, as each company sets its own rates after a DUI.

Maryland DUI insurance requirements and penalties

A DUI in Maryland requires you to follow certain rules for high-risk drivers.

A DUI can result in fines, a suspended driver's license, vehicle impoundment, and even jail time. Repeat offenses come with even tougher consequences. You may also be responsible for attorney costs, towing expenses, and impound fees.

The table below outlines Maryland DUI laws and penalties for first and repeat offenses.

Increased penalty for high BAC	Administrative license suspension after a first offense	Limited driving privileges during suspension	Ignition interlocks	Open container laws	Repeat offender laws
0.15	180 days for both 0.8 and 0.15, for first offense	Yes, with interlock	Mandatory for all convictions	Yes	Yes
0.15	180 days for both 0.8 and 0.15, for first offense	Yes, with interlock	Mandatory for all convictions	Yes	Yes

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*BAC is blood alcohol concentration

How long after a DUI does your insurance go down?

A DUI affects car insurance rates for at least three years, although the timeframe varies by state. In some states, like California, a DUI can impact your premiums for as long as 10 years.

In Maryland, drivers can expect higher car insurance rates after a DUI and expect it to stay on their record for life.

Tips to save money after a DUI

A DUI can cost you thousands of dollars in fines, fees and increased insurance premiums. Fortunately, there are still ways to lower your rates afterward.

Maryland drivers can cut car insurance expenses after a DUI by:

Raising their deductible to reduce monthly premiums
Looking for discounts, such as multi-policy savings or safety feature discounts
Keeping a clean driving record going forward
Completing a defensive driving course
Improving their credit score
Comparing quotes from multiple insurers

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

One and two DUI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

Maryland DUI insurance: Frequently asked questions

How far back do insurance companies look for a DUI?

DUIs can stay on your driving record for up to 10 years, depending on your state. Typically, a DUI stops affecting car insurance rates in three to five years.

Will my insurance drop me after a DUI in Maryland?

Most insurers won't drop you after one DUI, but rates will increase significantly. However, multiple DUIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.