- Does a DUI raise car insurance rates in Tennessee?
- How much does a DUI raise your insurance in Tennessee?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Tennessee?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Tennessee
- Tennessee DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Tennessee DUI insurance: Frequently asked questions
- Compare Tennessee DUI car insurance rates with other states
Does a DUI raise car insurance rates in Tennessee?
With a clean driving record, car insurance in Tennessee costs $1,677. However, after a DUI, the average rate rises to $2,892, which is $1,215 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 $4,271.
How much does a DUI raise your insurance in Tennessee?
The most affordable insurer after a DUI is State Farm, offering average annual rates of $1,823. The second-lowest option is Progressive, which costs $93 more than State Farm. Travelers provides the third-cheapest car insurance rates for drivers with a DUI.
Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.
This table displays average car insurance rates for a driver with a DUI in Tennessee.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $1,677 | $1,823 | $1,823 |
| Progressive | $1,550 | $1,916 | $2,422 |
| Travelers | $1,395 | $2,219 | $3,234 |
| Erie Insurance | $1,598 | $2,519 | $3,311 |
| GEICO | $1,565 | $2,921 | $4,131 |
| Nationwide | $1,632 | $3,364 | $4,698 |
| Farmers | $1,770 | $3,729 | $5,944 |
| Allstate | $3,032 | $4,173 | $5,905 |
| USAA | $1,194 | $2,309 | $2,699 |
PEOPLE ASK:
What happens when you get a DUI in Tennessee?
If you're convicted of a DUI in Tennessee, 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?
In most situations, insurance follows the vehicle rather than the driver, so your auto insurance rates won't increase because the DUI will not show up on your driving record.
However, your rates may increase if your vehicle is involved in an accident due to a DUI. Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.
How long does a DUI affect your insurance in Tennessee?
Although a DUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DUI influences car insurance in Tennessee and stays on your record for life. 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 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 $4,973.
Here are the most affordable insurers after a DUI by age:
- For teens: Erie Insurance offers the lowest rate at $4,973.
- For young adults: State Farm provides the cheapest coverage for young adults at $2,209.
- For adults: State Farm is the most affordable option, with an average rate of $1,823.
- For seniors: State Farm offers the lowest average rate at $1,643.
This table illustrates how a DUI impacts car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Erie Insurance | $3,582 | $4,973 | $1,391 | 39% |
| State Farm | $4,581 | $5,033 | $452 | 10% |
| Travelers | $3,804 | $5,777 | $1,973 | 52% |
| GEICO | $4,453 | $7,955 | $3,502 | 79% |
| Nationwide | $6,687 | $8,426 | $1,739 | 26% |
| Farmers | $7,006 | $13,954 | $6,948 | 99% |
| Allstate | $11,010 | $16,072 | $5,062 | 46% |
| Erie Insurance | $3,582 | $4,973 | $1,391 | 39% |
| State Farm | $4,581 | $5,033 | $452 | 10% |
| Travelers | $3,804 | $5,777 | $1,973 | 52% |
| GEICO | $4,453 | $7,955 | $3,502 | 79% |
| Nationwide | $6,687 | $8,426 | $1,739 | 26% |
| Farmers | $7,006 | $13,954 | $6,948 | 99% |
| Allstate | $11,010 | $16,072 | $5,062 | 46% |
| USAA | $3,714 | $6,022 | $2,308 | 62% |
| USAA | $3,714 | $6,022 | $2,308 | 62% |
How much does a DUI raise your insurance in your city?
The most affordable city in Tennessee for car insurance after a DUI is Sevierville, while the most expensive is Memphis, 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 $3,674. Where you live affects your insurance costs even without a DUI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DUI then pushes those already high rates even higher.
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 |
|---|---|---|---|---|
| Ashland City | $1,694 | $2,881 | $1,187 | 70% |
| Dayton | $1,591 | $2,790 | $1,199 | 75% |
| Germantown | $1,908 | $3,249 | $1,341 | 70% |
| Hermitage | $1,751 | $3,012 | $1,261 | 72% |
| Kingston | $1,631 | $2,823 | $1,192 | 73% |
| Knoxville | $1,580 | $2,736 | $1,156 | 73% |
| Memphis | $2,161 | $3,674 | $1,513 | 70% |
| Nashville | $1,708 | $2,954 | $1,246 | 73% |
| Paris | $1,730 | $2,906 | $1,176 | 68% |
| Sevierville | $1,598 | $2,699 | $1,101 | 69% |
| Watertown | $1,592 | $2,714 | $1,122 | 70% |
| Ashland City | $1,694 | $2,881 | $1,187 | 70% |
| Dayton | $1,591 | $2,790 | $1,199 | 75% |
| Germantown | $1,908 | $3,249 | $1,341 | 70% |
| Hermitage | $1,751 | $3,012 | $1,261 | 72% |
| Kingston | $1,631 | $2,823 | $1,192 | 73% |
| Knoxville | $1,580 | $2,736 | $1,156 | 73% |
| Memphis | $2,161 | $3,674 | $1,513 | 70% |
| Nashville | $1,708 | $2,954 | $1,246 | 73% |
| Paris | $1,730 | $2,906 | $1,176 | 68% |
| Sevierville | $1,598 | $2,699 | $1,101 | 69% |
| Watertown | $1,592 | $2,714 | $1,122 | 70% |
How to get car insurance after a DUI in Tennessee
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 the lowest available rates, be sure to compare multiple companies. Request quotes from various insurers to identify the most affordable choice in Tennessee, since each company determines its own rates after a DUI.
Tennessee DUI insurance requirements and penalties
A DUI in Tennessee means you must meet specific high-risk driver requirements. In Tennessee, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.
A DUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.
The table below highlights Tennessee DUI laws and the penalties for both first-time 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 |
|---|---|---|---|---|---|
| 0.2 | 1 year | Yes | Mandatory for repeat convictions; highly incentivized for first convictions | No | Yes |
| 0.2 | 1 year | Yes | Mandatory for repeat convictions; highly incentivized for first convictions | No | Yes |
*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 Tennessee, 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 in fines, fees, and higher car insurance premiums. Fortunately, you can still take steps to reduce your rates after a DUI.
Ways Tennessee drivers can reduce car insurance costs after a DUI include:
- Raising your deductible to lower your premium
- Checking for discounts, such as multi-policy savings or vehicle safety feature discounts
- Maintaining a clean driving record moving forward
- Completing a defensive driving course
- Working to improve your credit score
- Comparing quotes from several 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.
Tennessee 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 Tennessee?
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.
Compare Tennessee DUI car insurance rates with other states
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