Best Affordable Auto Insurance Provider for People With a DUI in 2021
The best auto insurance companies for a DUI are USAA and State Farm. However, one DUI on your driving record can raise your rates an average of $150 a month. Multiple DUIs can require you to purchase SR-22 auto insurance. The best car insurance companies for a DUI will depend on personal factors such as your driving record and where you live.
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UPDATED: Nov 1, 2021
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- 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.
|Company||Average Annual Rates with Clean Record||Average Annual Rates with 1 DUI|
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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||Allstate (%)||American Family (%)||Farmers (%)||GEICO (%)||Liberty Mutual (%)||Nationwide (%)||Progressive (%)||State Farm (%)||Travelers (%)||USAA (%)|
|Adaptive Cruise Control||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Daytime Running Lights||x||x||x||1||5||5||x||N/A||x||x|
|Electronic Stability Control||x||x||x||N/A||5||x||x||N/A||N/A||N/A|
|Forward Collision Warning||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Lane Departure Warning||N/A||N/A||N/A||N/A||x||x||x||N/A||N/A||N/A|
|New Customer/New Plan||N/A||N/A||N/A||N/A||x||N/A||N/A||N/A||N/A||N/A|
|Seat Belt Use||N/A||N/A||N/A||15||N/A||N/A||N/A||N/A||N/A||N/A|
|Students & Alumni||N/A||x||N/A||x||10||7||N/A||N/A||N/A||N/A|
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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.