What Is The Best Car Insurance Option (For After A DUI)

Updated October, 2020
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Your best insurance option after a DUI depends on your state (and individual needs). Even more, DUI/DWIs can impact your insurance for up to 3-5 years. The worst part? On average, insurance premiums increase by 1.86x (85%). Fill out a fast, free form to check your cheapest insurance rates (after a DUI), today!

Does your car insurance get more expensive (after a DUI)?

Almost always, yes. That's the bad news.

Insurance companies account for risk. DUI convinctions carry higher risks. You're also ineligible for safe (and good) driver discounts. This ultimately costs you (in the long run).

Some discounts you are still eligible for with a DUI:

  • Bundling policies- You can always save a little by bundling multiple insurance policies such as your home and auto.
  • Multiple cars on your policy- Some insurers offer discounts for having multiple cars on the same policy.
  • Paying your premium in full- Paying your premium in advance can you usually give you a small discount.
  • Being a good student- If you’re still in school and earn good grades, you can get a discount from your provider.
  • Completing a driver safety course- Showing you are responsible and learning safe driving procedures can earn you a discount.
  • Safe driving- If you can go 60 months without a violation, some insurers will lower your rate/ offer a discount.
  • Vehicle safety features- Many insurers offer discounts for clients who own a car that is equipped with anti-lock brakes, electronic stability control, airbags, and other technologies.

How long does a DUI stay on my car insurance?

The state you live in is the main factor in determining how long a DUI will stay on your record. On average, expect a DUI to stay on your record for 3-5 years. However, some states such as California, will leave the DUI on your car insurance record for up to 10 years. DUI's are not taken lightly and can affect your insurance rates for years, even a decade or more.

How much does insurance go up after a DUI?

How much your car insurance rate increases after a DUI varies on the state but on average expect a 1.86x increase. Below are some of the highest and lowest rate increases by state to give some guidance. Don't see your state? Fill out our online form to get an exact quote here.

Here are the highest rate increases after a DUI:

State Multiple
North Carolina 4.09x
Hawaii 3.15x
Vermont 2.83x
Ohio 2.43x
New Hampshire 2.3x

Here are the lowest rate increases after a DUI:

State Multiple
Colorado 1.17x
Maryland 1.23x
Wyoming

1.23x

Louisiana 1.27x
Idaho 1.31x

How to find the best DUI insurance

Find the best DUI insurance by shopping around. The biggest contributing factors to the price you pay are:

  • Location - Your state can have higher or lower general pricing than others.
  • Carrier - Larger companies tend to cost more.
  • Number of DUIs - If you're a one time offender, you will see a lower increase in your rate than someone who isn't.
  • Type of Accident - A multi-vehicle crash is scrutinized more than a single-car accident, at a low speed.

Keep an open mind while pricing both large and small companies. Usually, working with a local insurance company can give you the best rate and flexibility. Some insurance companies advertise working with DUIs. DUI- specific insurance can provide you with a better deal in some cases.

How to begin your search

Receiving a DUI will affect your insurance rates greatly. Your best insurance option after a DUI will depend on your state and individual needs. You need to be prepared to shop around to find the best deal.

Get instant quotes tailored to your needs - fill out our short form, today!

Call an insurance expert
Our team will help you find the lowest insurance prices.
866-996-3156