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Cheapest DUI Insurance

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Crash Course:

  • A driving under the influence (DUI) offense can significantly raise insurance rates.
  • State Farm is the cheapest mass-market auto insurance company for drivers with a DUI.
  • It’s a good idea to compare car insurance quotes from many providers to find the best rates.

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Getting caught for driving under the influence will almost certainly raise the cost of your auto coverage. But while even the cheapest DUI insurance is likely to be expensive, some providers offer lower rates than others.

Our team researched rates for drivers with a DUI from top car insurance providers across the U.S. to discover which ones offer the cheapest DUI insurance. You’ll find those rate estimates and details about getting auto insurance with a DUI on your driving record in the following article.

Cheapest DUI Insurance Companies

According to our data, Progressive has the cheapest DUI insurance among national providers, with estimated rates of $176 per month or $2,107 per year.

Depending on where you live, local companies may offer more affordable coverage. Because of that, it’s smart to compare rates from both the biggest car insurance providers and from smaller companies in your area. We’ve italicized the providers with nationwide availability.

Car Insurance CompanyAverage Monthly CostAverage Annual Cost
Indiana Farmers Insurance$161$1,926
Virginia Farm Bureau$114$1,369
Redpoint Insurance$149$1,790
*NJM Insurance$152$1,823
Missouri Farm Bureau$143$1,716
Texas Farm Bureau$184$2,202
Southern Farm Bureau$200$2,399
State Farm$200$2,401
American Family$271$3,251
Erie Insurance$201$2,409
Farmers Mutual of Nebraska$161$1,926
Auto-Owners Insurance$255$3,054
Iowa Farm Bureau$290$3,483
*National General$264$3,164
*Georgia Farm Bureau$265$3,175
Farm Bureau Financial Services$175$2,101
Indiana Farm Bureau Insurance$310$3,724
The Hartford$214$2,573
Mercury Insurance$319$3,828
Louisiana Farm Bureau$327$3,918
American Farmers & Ranchers$381$4,570
Oklahoma Farm Bureau$425$5,094
*Plymouth Rock$375$4,504
North Carolina Farm Bureau$584$7,008
AAA Auto Club$414$4,966
Kentucky Farm Bureau$390$4,678
AAA CSAA$582$6,989
Michigan Farm Bureau$806$9,667
The Hanover$1,009$12,107
*USAA is only available to military personnel, veterans, and select family members. NJM Insurance, National General, Georgia Farm Bureau, and Plymouth Rock data was pulled from 2022 information.
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Cheapest DUI Insurance by State

Location is a huge factor that will influence your cheapest DUI insurance rates. Prices for the same type of driver may be hundreds of dollars higher in one state than in another. Below, you can see each state’s cheapest car insurance company for drivers with DUIs and their average annual rates.

StateCheapest DUI Insurance CompanyAverage Annual Cost
ColoradoAmerican National$1,205
ConnecticutState Farm$1,625
DelawareState Farm$2,004
Washington, D.C.State Farm$1,829
FloridaState Farm$3,531
HawaiiState Farm$1,382
IdahoAmerican National$632
IowaState Farm$1,174
KentuckyState Farm$1,469
LouisianaSouthern Farm Bureau$2,627
MaineAuto Owners$1,074
MarylandErie Insurance$2,435
MassachusettsPlymouth Rock$2,784
MinnesotaState Farm$2,244
MissouriState Farm$1,612
NebraskaIowa Farm Bureau$1,731
NevadaState Farm$1,974
New HampshireThe Hanover Insurance$929
New JerseyPalisades Group$1,774
New Mexico*USAA$1,961
New YorkProgressive$1,589
North CarolinaErie Insurance$4,121
North DakotaProgressive$909
OhioErie Insurance$1,004
OregonState Farm$1,279
Rhode Island*USAA$2,140
South CarolinaAmerican National$874
South DakotaState Farm$1,649
TexasRedpoint County Mutual$1,790
VermontState Farm$894
VirginiaErie Insurance$1,374
WashingtonPEMCO Mutual$1,123
West Virginia*USAA$1,236
WisconsinErie Insurance$1,725
WyomingState Farm$1,372
*USAA is only available to military personnel, veterans, and select family members.
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What Happens if You Get a DUI?

If you’re caught driving with a blood alcohol content (BAC) level over your state’s legal limit, you could face several consequences. These include:

  • License points: At the very least, a DUI traffic violation will result in having points added to your license. A higher number of points can lead to increased auto insurance rates and other penalties.
  • License suspension: Depending on state law, getting a DUI could result in your state’s department of motor vehicles (DMV) suspending your driver’s license for a period of time. During this time, you can’t legally drive.
  • Special insurance requirements: If you get a DUI, your state may require you to file an SR-22. This form is proof that you have an adequate car insurance coverage policy and usually comes with much higher premiums.
  • Incarceration: Depending on state laws, getting a DUI can also lead to jail time.

How Does a DUI Affect Insurance Rates?

A DUI on your record will almost certainly bring you higher rates – far more than a speeding ticket or a car accident in most cases. Depending on your location, car insurance company, and driving history, it could double or even triple your premiums.

Our estimates show that 40-year-old male drivers pay about $286 per month or $3,531 per year on average for car insurance after getting a DUI. This is about 78% higher than the average rate of $1,983 per year for someone with a clean driving record.

A driving while intoxicated (DWI) infraction or a DUI stays on your insurance record for at least three to five years. During this time, insurance companies see you as a high-risk driver. You’ll pay elevated rates throughout those years, which is why it’s important to find the cheapest DUI insurance provider.

Recommendations for Cheap DUI Insurance

Our picks for the cheapest DUI insurance are State Farm, USAA, and the Southern Farm Bureau. It’s worth getting auto insurance quotes from whichever of these providers you’re eligible for.

State Farm: Cheapest National DUI Insurance

Better Business Bureau (BBB) rating: A+
AM Best financial strength rating: A++

Because of its low rate estimates for drivers with DUIs and its nationwide availability, State Farm is our top recommendation for the cheapest DUI insurance. According to our research, DUI insurance rates from State Farm average out to $200 per month or $2,401 per year. The provider has been in business since 1922 and offers a wide variety of coverage options to drivers today.

Drivers with DUIs may find State Farm’s Drive Safe & Save™ program useful. It awards discounts based on your current driving habits. So if you maintain safe habits, you could get a break on your rate even with a DUI on your driving record.

State Farm is known for having reliable customer service. The company scored 885 out of 1,000 points in the J.D. Power 2022 U.S. Insurance Shopping Study, giving it the top ranking among large car insurers. Our team surveyed nearly 7,000 auto insurance customers on their experiences. Nearly 20% of those polled were State Farm customers, and they rated the company an average of 4.2 out of 5.0 for overall satisfaction.

State Farm Pros and Cons

State Farm ProsState Farm Cons
Cheap rates for DUI insuranceMixed customer reviews
Large network of local agents
A++ financial strength rating from AM Best

Read our in-depth State Farm insurance review for a more detailed look at the company.

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USAA: Cheapest DUI Insurance for Military

BBB rating: Not rated
AM Best financial strength rating: A++

Our data shows that drivers with a DUI pay an average of $184 per month or $2,209 per year with USAA, which makes it affordable compared to the national average of $3,531 per year. However, USAA isn’t available to all drivers. Only those in the military, veterans, and family members qualify for coverage from the provider.

Not only is USAA cheap, but it also has a stellar customer service reputation. The company scored 875 out of 1,000 points in the J.D. Power Insurance Shopping Study, which was the second-highest score. And in our insurance survey, customers rated their overall satisfaction with USAA as 4.5 out of 5.0.

USAA Pros and Cons

High customer service ratingsLimited to military members, veterans and their families
Usage-based insurance available in 41 states
13 car insurance discounts

Learn more about car insurance costs, coverage options, and ratings in our in-depth USAA insurance review.

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Southern Farm Bureau: Cheapest Regional DUI Insurance

BBB rating: A+
AM Best financial strength rating: A+

Southern Farm Bureau is our top local pick for the cheapest DUI insurance. Our rate estimates show that the company’s rates are slightly cheaper than State Farm’s at $200 per month or $2,399 per year on average. Southern Farm Bureau car insurance is available in the following six states:

  • Arkansas
  • Colorado
  • Florida
  • Louisiana
  • Mississippi
  • South Carolina

Southern Farm Bureau offers a variety of coverage options and can also protect all-terrain vehicles (ATVs), motorcycles, and classic cars depending on the state.

One thing that makes Southern Farm Bureau unique is its DriveDown program. It’s an app that rewards safe driving habits with a discount on your deductible. It doesn’t affect your car insurance premium, which makes it different from other usage-based programs.

Southern Farm Bureau Pros and Cons

Southern Farm Bureau ProsSouthern Farm Bureau Cons
Affordable DUI insurance ratesRequires annual Farm Bureau membership
Offers a deductible discount programLimited availability
Large network of local agents
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How To Get Cheap Car Insurance With a DUI

While a DUI will almost certainly raise your auto insurance rates, there are still a few ways to increase your odds of finding affordable coverage.

Shop Around

If rates are rising with your current auto insurance company, it may be a good time to compare car insurance quotes from other providers. We recommend getting rate estimates from as many different auto insurers as you can.

Quotes are free, and the more companies you compare, the better chance you’ll have of finding the lowest rates. Get quotes online, but also consider working with insurance agents who can compare coverage plans with you.

Reduce Your Coverage

Most insurance experts typically recommend a full-coverage insurance policy that includes both liability insurance and property coverage. However, these policies could end up being unaffordable if you have a DUI. To save money, you can go with a minimum-coverage policy that only satisfies your state requirements.

These policies typically only include liability coverage and cost significantly less than full coverage. Be aware, though, that you likely won’t have coverage for your own vehicle or personal medical costs under a minimum-coverage policy.

Try Usage-Based Insurance

Usage-based coverage tracks your driving habits in real time and rewards you with discounts for safe driving. You could save money if you avoid late-night driving and smoothly handle acceleration, cornering, and stopping. Low mileage can get you a better discount too since many programs reward drivers who spend less time on the road.

Usage-based programs don’t analyze your past driving record, which would include any DUIs or other convictions. They just analyze how you drive from now on.

Find Car Insurance Discounts

Each company offers different types of auto insurance discounts that could help you save on your premium. While you won’t receive a good driver discount due to the DUI offense, other savings opportunities could get you the cheapest DUI insurance. Look out for the following:

  • Military discount: Some providers offer discounts to members of the military and their families.
  • Student discount: Students can often get a discount on car insurance. In many cases, savings are given to students who maintain good grades in school.
  • Multi-car discount: You can often save money by insuring more than one vehicle under one policy.
  • Low-mileage discount: Some insurers offer discounted rates to people who don’t drive very much. If you can afford to drive less, you may be able to save.
  • Driver education discount: Insurance companies often give discounts to people who complete approved safe driving courses.
  • Bundling/multi-policy discount: Most insurers offer discounts to those who combine homeowners, renters, and life insurance with their auto policy.

Work on Your Credit Score

In most states, your credit score is a significant factor in your insurance premiums. Drivers with good credit gain access to the lowest rates while motorists with lower scores typically pay more. If you can work on your credit rating by paying off all bills on time and reducing your outstanding debt, it could result in lower premiums.

Will Insurance Find Out About My DUI?

If you’re caught driving under the influence, be honest with your insurance company. Your provider will periodically check with the DMV to get your updated driving history. This typically happens when you renew your car insurance policy but might happen at other times.

If your car insurance costs don’t go up after a DUI, the company will still find out about the DUI eventually. It’s best to let your company know about the DUI because the provider could cancel your car insurance coverage if it finds out after the fact.

Many states require DUI offenders to file SR-22 forms through their insurance companies. This form testifies that the convicted driver will maintain insurance for a period of time. If this is the case, your insurance company will find out about your DUI during the SR-22 insurance process.

Cheapest DUI Insurance: Conclusion

We found that among national providers, State Farm tends to offer the cheapest rates for DUI insurance. USAA also typically offers more affordable rates than most. And depending on where you live, a regional provider in your area may have the market’s best rates. The easiest way to find out is to shop around for quotes from multiple providers and compare.

The good news is that with safe driving habits and a clean record from this point forward, your rates will eventually go down. In the meantime, there are plenty of ways to try and reduce the cost of your auto coverage.

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Enter your zip code to shop for the best rates in your area:

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Cheapest DUI Insurance: FAQ

Here are some frequently asked questions about getting the cheapest DUI insurance:

Will GEICO drop me after a DUI?

GEICO isn’t known for dropping drivers who get DUIs, and it’s typically an affordable provider for these motorists. However, any car insurance company has the right to drop drivers after events like DUIs if they become too risky to insure.

How long does a DUI affect insurance in Pennsylvania?

A first-time DUI in Pennsylvania causes rate increases for three years in most cases, but companies are allowed to consider DUIs for longer. Subsequent DUIs within 10 years can affect your rates for far longer periods of time.

How much is DUI insurance in Florida?

According to our rate data, 40-year-old males pay about $456 per month or $5,466 per year on average for DUI car insurance in Florida. That’s over 11% more than the average cost for a Florida driver with a clean record.

How long does a DUI affect insurance in Texas?

Texas law requires drivers who get DUIs to file SR-22 forms for two years, which raises rates. Most car insurance companies take three to five years of driving history into consideration, but Texas allows companies to consider up to 10 years of history for serious DUI convictions.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.