Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 1, 2021

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The Lowdown

  • USAA and GEICO have the cheapest average auto insurance rates if you have a DUI
  • Drivers with multiple DUIs can be required to get SR-22 or high-risk insurance
  • Non-owner auto insurance may save money for drivers with a DUI

If you have a DUI, auto insurance will be much more expensive. However, you can still find affordable coverage if you know where to look.

The best auto insurance companies for a DUI will vary by driver, but USAA and GEICO offer the cheapest average rates for drivers with one DUI.

If you have multiple DUIs, you may be required to carry SR-22 or high-risk auto insurance.

Shop around to see which company can offer you the lowest rates with the best coverage. Each company will weigh your DUI differently and offer different rates.

Enter your ZIP code now to compare free quotes from the best auto insurance companies for a DUI in your area.

What are the best auto insurance companies for drivers with a DUI?

According to the National Highway Traffic Safety Administration, 28 people die every day from drunk driving accidents. Auto insurance companies know this is a serious problem and charge much higher rates if you have a DUI on your driving record.

How does a DUI affect your auto insurance? This table shows you average annual rates from the best auto insurance companies for a DUI.

Average Annual Auto Insurance Rates with One DUI
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 DUI
American Family$2,693.61$4,330.24
Liberty Mutual$4,774.30$7,613.48
State Farm$2,821.18$3,636.80
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USAA and GEICO offer the lowest rates on average to drivers with one DUI. However, those rates will change based on many factors, including if you have other accidents, tickets, or DUIs on your record.

How do insurance companies find out about DUIs?

Auto insurance companies periodically pull your driving record to reevaluate your rates. If you haven’t already told them about your DUI, they will find out when they request your driving record.

What kind of auto insurance do you need if you have multiple DUIs?

If you have multiple DUIs on your driving record, you may need to prove to the state that you have adequate auto insurance.

What is DUI insurance called? In most states, you will need to file SR-22 insurance. This is simply a form filed by your insurer that lets the state know you have at least the minimum amount of auto insurance required.

However, if you have multiple DUIs, you may have a hard time finding auto insurance at all.

Every state has a program specifically for drivers who can’t find coverage elsewhere. The program specifics vary by state, but you can expect very high rates for coverage.

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How can drivers with a DUI save money on their auto insurance?

Even if you have a DUI on your driving record, there are still ways for you to save money.

First, consider non-owner auto insurance. Non-owner insurance is for drivers who don’t own a car but may drive one occasionally. This type of car insurance is generally cheaper but still fulfills state insurance requirements.

Next, ask for any available auto insurance discounts. While some discounts are tied to your driving record, many are based on your policy, you as a customer, and the features on your vehicle.

This table shows the common auto insurance discounts offered by top companies. The amount of the discounts is listed if it is available.

Auto Insurance Discounts from Top Companies
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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The best way to save money on auto insurance after a DUI is to keep your driving record clean. The more accidents, tickets, and DUIs on your driving record, the higher your auto insurance rates will be.

How to Find the Best Auto Insurance Companies for a DUI

Car insurance for DUI offenders is very expensive. If you have a DUI on your driving record, you are seen as a risk to insure and insurance companies will charge you higher rates accordingly.

Shop around to find the cheapest auto insurance for a DUI. Compare multiple companies to find the best deal for you. Consider switching the type of auto insurance you carry and ask for any additional discounts to lower your rates as much as possible.

To get free auto insurance quotes from the best car insurance companies for a DUI near you, enter your ZIP code now.