Best Car Insurance Options After A DUI
A conviction for driving under the influence (DUI) — also called driving while intoxicated (DWI) — will make it harder and more expensive to get car insurance. The good news is that a DUI conviction is only one of several factors that insurers use to determine risk. Each insurer also handles these infractions a bit differently. The bad news is that insurance rates can increase 30% or more after a first DUI, according to our findings.
However, we’ll help you get back on the road (should you choose to do so) and provide the tools needed to save money on car insurance both now and in the future.
Read on below to learn more about what to expect when shopping for car insurance after a DUI and which insurers are likely to offer the lowest rates.
How Much Is A DUI Going To Cost You?
WalletHub recently studied the impact of many high-risk driving behaviors on car insurance rates. This study compared insurance pricing from the five largest insurers for a middle-aged male driver with a full set of coverage on a 7-year-old family sedan – before and after adding in a high-risk driving issue like a DUI. You can learn more about the methodology here.
Based on this research, our example driver obtained quotes that ranged from 16% to 47% higher after reporting a DUI conviction:
Average Monthly Increase For One DUI Nationally
|Insurer||Avg. Monthly Base Rate||Monthly Rate Increase For DUI||Percent Increase For DUI||Final Rate With DUI|
Who Offers The Cheapest Insurance After A DUI?
Your state is likely to be different than the averages above. Using the same sample driver, we researched the cheapest major insurer after one DUI in the largest metropolitan area of each state and D.C.
Again, your own quotes may differ significantly from our sample driver. The WalletHub Car Insurance Quote Generator will help you compare multiple insurers beyond just the five largest companies. A local independent agent may also be able to identify insurers who specialize in high-risk drivers with issues like a DUI on their driving records.
|State||Lowest Premium||State||Lowest Premium|
|Alaska||State Farm||Montana||State Farm|
|Alabama||State Farm||North Carolina||State Farm|
|Arkansas||State Farm||North Dakota||State Farm|
|Arizona||State Farm||Nebraska||State Farm|
|Colorado||Allstate||New Jersey||State Farm|
|Connecticut||State Farm||New Mexico||Progressive|
|Idaho||State Farm||Rhode Island||Allstate|
|Illinois||Progressive||South Carolina||State Farm|
|Indiana||Progressive||South Dakota||State Farm|
|Kentucky||State Farm||Texas||State Farm|
|Maine||State Farm||Washington||State Farm|
|Minnesota||Progressive||West Virginia||State Farm|
What To Do If You Get Turned Down For Insurance
If you have a valid driver’s license but you keep getting turned down for insurance, your state government can help. Each state has a program to provide a last resort form of liability insurance to drivers and enable them to legally get back on the road.
Normally these “assigned risk” programs are more expensive than other options and only provide liability insurance. So make sure you shop around before resorting to your state’s program for the riskiest drivers.
More Tips For Rebounding From A DUI
After a DUI, the road ahead may be arduous but you can get through it. Here are a few tips for making it pass more smoothly.
- Make sure to comply with SR-22 requirements – You or your insurer may be required to file an SR-22 or FR-44 certification with the state to confirm that you are carrying the minimum required car insurance. The requirement lasts for three years in many states. Read more here: SR-22 Insurance.
- Don’t overlook non-owner insurance – If you don’t need a car of your own, you can save on car insurance by getting a non-owner policy. Non-owner car insurance will satisfy your state’s liability insurance requirement so that you can get your driver’s license reinstated.
- Don’t let it happen again – The consequences of a second or third DUI conviction are far more serious than the first. Whatever number you’re at, do whatever it takes to make sure you don’t repeat your bad behavior. Drunk driving is not only dangerous to your wallet but also endangers your life and the lives of other people on the road.
- Do the math for alternate transportation – Getting back on the road after a DUI is expensive. In addition to increased insurance costs, you’ll have many fines and fees to pay to get your driver’s license reinstated. It pays to weigh those costs – and the other costs of driving – against transportation alternatives. Even relying on taxis and car hailing services like Uber might be cheaper than driving after a DUI.
Image: karen roach / Shutterstock
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