A DUI is considered a serious violation and the consequences are equally serious. In addition to legal consequences, a driver convicted of a DUI will face increased insurance rates. But how much does insurance go up after a DUI?
The answer depends on many factors, including where you live and your car insurance company. However, the average increase, based on an Insurance.com 2022 analysis of rates from top companies, is 127%.
Read on to find out how a DUI will impact your insurance rates and compare rates by company and by state.
- A DUI is a serious violation, and insurance companies will raise your rates by 127% on average.
- Every insurance company is different, so DUI insurance rate increases may be much higher at one company than at another.
- A DUI will affect your insurance rates for at least three years but may stay on your record longer.
How does a DUI affect car insurance rates?
If you are convicted of a DUI, your car insurance rates will go up. That’s because you are now considered a high-risk driver who is more likely to cause an accident and a serious one, too. According to the National Highway Traffic Safety Administration (NHTSA), 30% of fatal crashes in 2020 were caused by impaired drivers.
That means the insurance company is taking on a higher risk of paying a claim when they accept a driver with a DUI on their record. To mitigate that risk, they will charge higher rates. Just how much does insurance go up after a DUI? An Insurance.com review of top insurance companies found an average increase of 127%.
How much will a DUI affect your rates? Use the tool below to see the rate increase you can expect after a DUI or any other violation.
Average car insurance rates by company after a DUI
Each car insurance company determines its own rates and weighs a DUI differently. That’s why shopping around to compare car insurance after a DUI is so important. Take a look at the rates below to see how much rates go up across major and smaller insurance companies. Rates are for full coverage with limits of 100/300/100 and $500 deductibles.
| Company | Average annual rates for a good driver | Average annual rates with a DUI first offense | Increase % |
|---|---|---|---|
| Allstate | $2,513 | $5,044 | 101% |
| American Family | $1,738 | $2,521 | 45% |
| Auto Club Entreprises | $2,313 | $5,487 | 137% |
| Auto-Owners | $1,651 | $3,288 | 99% |
| Automobile Club of MI | $2,435 | $6,604 | 171% |
| Chubb | $2,539 | $5,633 | 122% |
| CSAA | $3,015 | $8,505 | 182% |
| Erie | $1,335 | $2,583 | 93% |
| Farmers | $2,740 | $3,738 | 36% |
| Geico | $1,352 | $3,573 | 164% |
| Hartford | $2,458 | $9,416 | 283% |
| Iowa Farm Bureau | $2,821 | $4,380 | 55% |
| Island | $1,713 | $14,531 | 748% |
| Kemper | $2,604 | $4,596 | 77% |
| Kentucky Farm Bureau | $2,325 | $5,481 | 136% |
| Mercury | $2,092 | $3,076 | 47% |
| National General | $2,883 | $3,967 | 38% |
| Nationwide | $1,523 | $3,403 | 123% |
| New Jersey Manufacturers | $1,421 | $1,704 | 20% |
| North Carolina Farm Bureau | $1,265 | $4,747 | 275% |
| Oklahoma Farm Bureau | $2,865 | $4,516 | 58% |
| Palisades | $1,341 | $2,301 | 72% |
| Progressive | $1,933 | $2,753 | 42% |
| Shelter | $1,991 | $3,278 | 65% |
| State Farm | $1,672 | $2,905 | 74% |
| Travelers | $1,882 | $3,279 | 74% |
| USAA | $1,272 | $2,508 | 97% |
Car insurance rates by state after a DUI
Insurance rates vary by state, and so does the increase in rates after a DUI. Below you’ll see the average 2022 full coverage car insurance rates both before and after a DUI in each state.
| State | Average annual rates for a good driver | Average annual rates with a DUI first offense | Increase % |
|---|---|---|---|
| Alaska | $1,286 | $1,855 | 44% |
| Alabama | $1,503 | $2,356 | 57% |
| Arkansas | $1,475 | $2,442 | 66% |
| Arizona | $1,665 | $2,737 | 64% |
| California | $2,206 | $6,111 | 177% |
| Colorado | $1,970 | $3,002 | 52% |
| Connecticut | $1,461 | $2,587 | 77% |
| Washington, D.C. | $1,909 | $3,050 | 60% |
| Delaware | $1,730 | $2,693 | 56% |
| Florida | $2,927 | $3,997 | 37% |
| Georgia | $1,597 | $2,837 | 78% |
| Hawaii | $1,309 | $4,150 | 217% |
| Iowa | $1,241 | $1,790 | 44% |
| Idaho | $1,015 | $1,670 | 65% |
| Illinois | $1,368 | $2,388 | 75% |
| Indiana | $1,279 | $2,060 | 61% |
| Kansas | $1,488 | $2,492 | 68% |
| Kentucky | $1,857 | $3,201 | 72% |
| Louisiana | $3,121 | $4,876 | 56% |
| Massachusetts | $1,760 | $3,137 | 78% |
| Maryland | $1,981 | $3,163 | 60% |
| Maine | $1,072 | $1,579 | 47% |
| Michigan | $4,013 | $10,260 | 156% |
| Minnesota | $1,699 | $3,375 | 99% |
| Missouri | $2,403 | $3,376 | 40% |
| Mississippi | $1,407 | $2,378 | 69% |
| Montana | $1,766 | $2,786 | 58% |
| North Carolina | $1,396 | $5,726 | 310% |
| North Dakota | $1,239 | $2,163 | 75% |
| Nebraska | $1,861 | $3,246 | 74% |
| New Hampshire | $949 | $1,595 | 68% |
| New Jersey | $2,228 | $3,850 | 73% |
| New Mexico | $1,686 | $2,423 | 44% |
| Nevada | $2,371 | $3,885 | 64% |
| New York | $1,822 | $2,718 | 49% |
| Ohio | $1,110 | $1,688 | 52% |
| Oklahoma | $1,836 | $2,628 | 43% |
| Oregon | $1,461 | $2,283 | 56% |
| Pennsylvania | $1,297 | $2,072 | 60% |
| Rhode Island | $1,793 | $3,081 | 72% |
| South Carolina | $1,804 | $2,662 | 48% |
| South Dakota | $1,585 | $2,920 | 84% |
| Tennessee | $1,308 | $2,124 | 62% |
| Texas | $1,969 | $2,947 | 50% |
| Utah | $1,582 | $2,381 | 50% |
| Virginia | $1,230 | $1,819 | 48% |
| Vermont | $1,081 | $1,779 | 65% |
| Washington | $1,325 | $2,338 | 77% |
| Wisconsin | $1,587 | $2,795 | 76% |
| West Virginia | $1,413 | $2,485 | 76% |
| Wyoming | $1,812 | $3,141 | 73% |
How long does a DUI affect your car insurance?
A DUI will affect your car insurance rates for at least three years. It may be much longer. Depending on how far your car insurance company looks back, that time period could be five years or even more.
Driving impaired is a serious offense, and DUI insurance costs reflect that. The best way to reduce your rates is to shop around and make sure to keep a clean driving record in the years following a DUI. An additional violation, even a speeding ticket, could make it very difficult to find affordable car insurance.
Methodology
Insurance.com commissioned 2022 car insurance rates from Quadrant Data Services. Rates are based on a 40-year-old male driver with a 2021 Honda Accord LX and coverage levels of 100/300/100 with $500 deductibles.
