Missouri DWI and insurance: How much does a DWI raise your insurance?

Does a DWI raise car insurance rates in Missouri?

With a clean driving record, car insurance in Missouri costs $1,982. However, after a DWI, the average rate rises to $2,950, which is $968 higher.

Auto insurers raise premiums significantly when they view you as a high-risk driver. If you receive multiple DWIs, average rates rise sharply to $3,782.

How much does a DWI raise your insurance in Missouri?

The most affordable insurer after a DWI is Travelers, offering average annual rates of $2,135. The second-lowest option is Progressive, which costs $27 more than Travelers. State Farm provides the third-cheapest car insurance rates for drivers with a DWI.

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 DWI differently and offers different rates, so comparing quotes from multiple insurers is essential.

This table shows average car insurance rates after a DWI in Missouri.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
Travelers	$1,515	$2,135	$2,964
Progressive	$1,960	$2,162	$2,683
State Farm	$2,072	$2,242	$2,242
Nationwide	$1,361	$2,817	$3,945
Auto Club Enterprises (AAA)	$2,346	$3,614	$4,851
Allstate	$2,852	$3,735	$5,077
GEICO	$3,217	$5,865	$8,370
USAA	$1,086	$1,936	$2,261

Read our methodology

PEOPLE ASK:

What happens when you get a DUI in Missouri?

If you're convicted of a DUI in Missouri, 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 the DWI will stay on your record for at least five years.

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

In most cases, insurance applies to the car rather than the driver, so your car insurance rates won't rise because the DWI will not appear on your driving record.

However, your premiums may rise if your car is involved in an accident caused by a DWI. Your vehicle may also be treated as a crime scene after the crash, meaning you won't be able to access it until the police release it.

How long does a DWI affect your insurance in Missouri?

Although a DWI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DWI influences car insurance in Missouri and stays on your record for at least five years. Your premiums should start to go down after several years of maintaining a clean driving record with no additional 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 DWI raise insurance by age group?

Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DWI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DWI is $5,281.

Below are the cheapest insurers after a DWI for each age group:

For teens: Travelers has the most affordable rate at $5,281.
For young adults: Travelers offers the lowest-priced coverage for young adults at $2,347.
For adults: Travelers provides the best rate, averaging $2,135.
For seniors: Progressive delivers the cheapest average rate at $1,943.

This table illustrates how a DWI affects car insurance rates across different age groups.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Travelers	$3,801	$5,281	$1,480	39%
State Farm	$5,031	$5,514	$483	10%
Nationwide	$4,452	$6,082	$1,630	37%
Progressive	$6,795	$7,435	$640	9%
Allstate	$6,183	$8,733	$2,550	41%
GEICO	$7,740	$12,142	$4,402	57%
Auto Club Enterprises (AAA)	$8,252	$13,322	$5,070	61%
USAA	$2,584	$4,213	$1,629	63%

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

The most affordable city in Missouri for car insurance after a DWI is Holts Summit, while the most expensive is St. Louis, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $3,517. Where you live affects your insurance costs even without a DWI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DWI then pushes those already high rates even higher.

This table lists the average car insurance rates after a DWI 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
Blue Springs	$1,945	$2,889	$944	49%
Clifton Hill	$1,994	$2,874	$880	44%
Farmington	$1,993	$2,937	$944	47%
Holts Summit	$1,797	$2,623	$826	46%
Kansas City	$2,155	$3,204	$1,049	49%
Labadie	$2,009	$2,997	$988	49%
Mountain View	$1,998	$2,937	$939	47%
New Franklin	$2,009	$2,915	$906	45%
Springfield	$1,880	$2,833	$953	51%
St. Joseph	$1,957	$2,866	$909	46%
St. Louis	$2,362	$3,517	$1,155	49%
West Plains	$1,994	$2,940	$946	47%

Read our methodology

How to get car insurance after a DWI in Missouri

Insurers will label you a high-risk driver after a DWI, but you can still secure car insurance. Finding suitable coverage following a DWI conviction may require some additional effort.

If you already have car insurance and receive a DWI, your insurer will likely continue your policy; however, your premiums will increase at renewal time.

If you need car insurance after a DWI or want the lowest available rates, be sure to compare multiple companies. Request quotes from various insurers to identify the most affordable choice in Missouri, since each company determines its own rates after a DWI.

Missouri DWI insurance requirements and penalties

A DWI in Missouri requires you to follow certain rules for high-risk drivers. In Missouri, you are required to obtain an SR-22. An SR-22 is a document your insurer files with the state to prove you carry at least the minimum level of car insurance required by law. The SR-22 itself doesn't raise your rates, but the violation that triggered the requirement does.

A DWI 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 Missouri DWI laws and penalties for first and repeat offenses.

Increased penalty for high BAC	0.15
Administrative license suspension after a first offense	90 days
Limited driving privileges during suspension	After 30 days (restricted)
Ignition interlocks	Mandatory for repeat convictions
Open container laws	No
Repeat offender laws	Yes

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*BAC is blood alcohol concentration

How long after a DWI does your insurance go down?

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

In Missouri, drivers can expect higher car insurance rates after a DWI and expect it to stay on their record for at least five years.

Tips to save money after a DWI

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

Missouri drivers can cut car insurance expenses after a DWI 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 DWI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

Missouri DWI insurance: Frequently asked questions

How far back do insurance companies look for a DWI?

Depending on the state, a DWI can remain on your driving record for up to 10 years. In most cases, a DWI affects car insurance rates for only three to five years.

Will my insurance drop me after a DWI in Missouri?

Most insurers will not cancel your policy after a single DWI, but your rates will rise sharply. However, multiple DWIs may lead your insurer to deny coverage. The higher the risk you present, the harder it becomes to secure car insurance.