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

If you’ve been convicted of driving under the influence (DUI) or driving while intoxicated (DWI), insurance companies see you as high-risk and tend to increase your insurance rates. To help you navigate the process of finding the best DUI insurance, we put together this guide on how your rates may change and how you can save money.

Below, we’ve also reviewed some of the best car insurance providers for high-risk drivers, considering factors such as customer satisfaction, cost, coverage, and more. You should always shop around for car insurance quotes before committing to one provider. Fill out the simple form above or call our team at (844) 246-8209 for an easier way to get free insurance quotes.

Why You Can Trust Motor1 At Motor1, we are dedicated to supplying car owners with the well-researched, fact-checked information they need to make sound decisions about auto insurance. Our team analyzes provider offerings and customer insights so you can feel empowered to make the best choice.
Reviews Analyzed Motor1
4,330 Reviews Analyzed
Companies Reviewed Motor1
43 Companies Reviewed
Customers Surveyed Motor1
8,500 Customers Surveyed

What Is DUI Insurance?

DUI insurance is simply a personalized car insurance policy for drivers who have been convicted of driving under the influence (DUI) of alcohol or other drugs. DUI insurance is considered a type of high-risk auto insurance, along with drivers who have been involved in at-fault accidents, received tickets, or committed other traffic violations that require an SR-22.

What Happens To Your Current Insurance If You Get A DUI?

Many things can happen to your insurance policy after you are convicted of a DUI:

  • Some major insurers will decide they will no longer insure you and send you a non-renewal.
  • Your rates will increase.
  • There will be a limited number of insurance companies that will work with you.
  • In some states, you may be forced to purchase higher than the state’s minimum coverage.

How Long Does A DUI Affect Your Car Insurance Rates?

The length of time that a DUI stays on your driving record varies by state. In most cases, your car insurance premium will increase for at least the next three to five years. In some states, like California, it can stay on your record for 10 years. Even still, each car insurance company can determine how long a driver is considered high-risk after the incident.

DUI Insurance Cost

Because a motorist with poor driving history, like having a DUI charge on record, poses a high level of risk to an insurance provider, you will almost always be quoted higher rates than a safe driver.

Below is a comparison of good drivers versus drivers with one DUI:

Insurance CompanyGood Driver1 DUI
State Farm$1,339.00$1,752

That being said, it is hard to give an exact cost of DUI car insurance, since car insurance rates after a DUI depend on many factors, including:

  • The severity of the case
  • Whether you are a repeat offender
  • The state you live in
  • The level of coverage you are seeking

Having a DUI conviction can increase your rates by hundreds of dollars each year, sometimes up to a thousand. This is because accidents caused by drunk driving force insurance companies to pay a lot of money to cover bodily injury, property damage, and in some cases, death benefits.

Because car insurance rates are also affected by things like your age, location, and credit score, the only way to know how much you will pay for DUI insurance is to get a quote.

To see what you can expect to pay in terms of fines and other fees, explore the cost of a DUI in the five largest states.

Who Offers Cheap DUI Insurance?

To help you find the best DUI insurance at the best rates, our review team researched the best car insurance providers – looking into costs, coverage options, additional perks, and the reputation of the companies. Here is a list of some of the cheapest car insurance companies that provide DUI insurance. 

Cheap DUI Insurance ProvidersMotor1 RatingFinancial StrengthClaims SatisfactionUsage-based policiesAccident forgivenessNew car replacement
The General$4AN/A
State Farm$5A++3/5

The financial strength is based on the AM Best Financial Strength Rating, while the claims satisfaction is based on the J.D. Power Power Circle Ratings for Claims Satisfaction.

Progressive: 4.6 Stars

Progressive car insurance is among the cheapest for drivers with a DUI on record. The company has above average customer service ratings and many discounts that can make your premium more affordable.

One of the things we like about Progressive is the usage-based Snapshot® program, which monitors safe driving and rewards you with a discount after consistently displaying good driving habits. This can be a great incentive as you work toward becoming a low-risk driver.

Read more in our full Progressive auto insurance review.

Geico: 4.6 Stars

If you want your DUI insurance premiums to remain at a minimum after an incident, it might serve you well to check out the rates from Geico. The company provides some of the lowest rates of the industry’s most popular providers and excels at customer service.

Read more in our full Geico auto insurance review.

USAA: 4.8 Stars

Designed for military personal and their families, USAA car insurance stands out for its low rates, opportunities for discounts, and outstanding customer service. If you qualify, you can find some of the lowest rates across the board, even with a DUI offense on record.

Read more in our full USAA auto insurance review.

The General: 3.8 Stars

The General Insurance Company is a great option for DUI insurance, as the company even supports drivers with multiple DUIs on record. The General is available in 47 states and gives customers access to a mobile app for policy management. You can get many discounts for things like adding multiple vehicles to your policy, completing a new driver safety course, and being a student.

Read more in our full The General auto insurance review.

State Farm: 4.6 Stars

Our review of State Farm auto insurance found that the company offers some of the lowest auto insurance rates for DUI offenders, and it’s available in 48 states. State Farm has a reputation for friendly, local agents who can support you through the process. State Farm has excellent financial standing with an A++ rating on AM Best, and it earned a 4.6-star rating overall in our research.

Read more in our full State Farm auto insurance review.

Fill out the form below or call (844) 246-8209 to receive free, personalized insurance quotes to help you find cheap car insurance for high-risk drivers.

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

What Is A SR-22 Form?

In order to get DUI insurance, many states require your insurance provider to fill out an SR-22 form on your behalf and report it to the Department of Motor Vehicles (DMV). This form is also known as a Certificate of Financial Responsibility. It proves that high-risk drivers are maintaining the minimum required liability coverage. Drivers who recently reinstated a suspended driver’s license also need this form completed.

The sentencing court will notify you if you are required to file an SR-22 in order to start driving again. In Florida and Virginia, drivers must complete a similar form called FR-44 and purchase more auto insurance coverage than the state’s minimum.

To complete an SR-22, contact your current car insurance provider and make the request. If you are purchasing a new policy, let the provider know right away during the quotes process. Some insurance companies do not offer SR-22 services, so it’s best to learn that upfront before you get a quote.

How Much Does A SR-22 Cost?

In order to file an SR-22, you must pay a fee to the insurance company, which is often around $25. This varies by state and auto insurance company. Some require this initially, while others include it in your first insurance payment. The cost of your car insurance afterward depends on many different factors.

Shopping For DUI Insurance

While some car insurance providers send you a non-renewal after you get a DUI, there are other providers that specialize in providing high-risk auto insurance. These non-standard companies will work with you to file the necessary paperwork and find an affordable rate so you can maintain coverage.

Take Advantage Of Car Insurance Discounts

Because your rates will be higher, you should take every step possible to save money. Learn what discounts your provider offers to see which ones you may be eligible for. You can get a driver discount for things like:

  • Bundling policies
  • Multiple cars on your policy
  • Paying your premium in full
  • Being a good student
  • Completing a driver safety course

Who Provides DUI Car Insurance?

When you’re in need of car insurance after a DUI, it’s best to shop around and compare many providers. Sometimes, the car insurance company that is the cheapest for low-risk drivers can be the most expensive for high-risk drivers. Also, while some large, nationwide brands may seem like the go-to, there are many small, local companies and non-standard companies that can offer you great rates and more support.

Here are some companies that offer DUI insurance:

You have many insurance options when it comes to DUI insurance. To make sure you’re getting the best car insurance rate possible, you should always shop around to compare quotes from multiple providers.

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

FAQ: DUI Insurance


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.