10 Best Auto Insurance Companies After a DUI in 2026

#1 – State Farm: Top Overall Pick

Pros

• Strong Customer Service: State Farm is known for its excellent customer service, offering personalized assistance and dedicated agents who can guide customers through the claims process efficiently.
• Wide Range of Coverage Options: State Farm provides a comprehensive selection of coverage options, allowing customers to tailor their policies to meet their specific needs, whether it’s basic liability coverage or additional protections like roadside assistance.
• Discount Opportunities: State Farm offers various discounts for policyholders, such as multi-policy discounts, safe driving discounts, and discounts for installing safety features in your vehicle.

Cons

• Higher Premiums: While State Farm offers quality service and coverage options, its premiums tend to be slightly higher compared to some other insurance providers. Find out more in our State Farm auto insurance review.
• Limited Online Tools: State Farm’s online tools and mobile app may not be as advanced or user-friendly as those offered by some competitors, which could be a drawback for customers who prefer managing their policies digitally.

#2 – Geico: Best for Affordable Option

Pros

• Affordability: Geico is often praised for its competitive rates, making it an attractive option for budget-conscious customers seeking quality coverage without breaking the bank.
• Convenient Online Services: Geico offers a user-friendly website and mobile app, allowing customers to easily manage their policies, file claims, and access helpful resources from anywhere.
• Wide Availability: Geico operates in all 50 states and Washington D.C., providing coverage to a large portion of the population and offering consistent service nationwide. Read more in our Geico auto insurance review.

Cons

• Limited Agent Interaction: Geico primarily operates online and over the phone, which means customers may have limited opportunities for face-to-face interaction with agents if they prefer that level of personalized service.
• Less Comprehensive Coverage Options: While Geico offers basic coverage options, it may not have as many customizable features or add-ons compared to some other insurance providers.

#3 – Progressive: Best for Innovative Solutions

Pros

• Innovative Tools and Technology: Progressive is known for its innovative tools and technology, such as Snapshot, which tracks driving habits to potentially lower premiums for safe drivers, and Name Your Price, which allows customers to customize their policies to fit their budget.
• Wide Range of Discounts: Progressive offers a variety of discounts, including multi-policy discounts, safe driver discounts, and discounts for bundling auto and home insurance, helping customers save on their premiums.
• Strong Financial Stability: In our Progressive auto insurance review, Progressive has a strong financial stability rating, providing customers with peace of mind knowing that their claims are likely to be paid promptly and in full.

Cons

• Higher Rates for High-Risk Drivers: While Progressive offers competitive rates for many customers, those with a history of accidents or traffic violations may face higher premiums compared to some other insurers.
• Limited Agent Availability: Progressive primarily operates online and over the phone, which may not be ideal for customers who prefer in-person interactions with agents.

#4 – Allstate: Best for Customized Coverage

Pros

• Wide Range of Coverage Options: Allstate offers a comprehensive selection of coverage options, including unique features like Accident Forgiveness and Deductible Rewards, allowing customers to customize their policies to suit their individual needs.
• Strong Financial Stability: Allstate has a solid financial stability rating, giving customers confidence that their claims will be handled promptly and efficiently.
• Extensive Network of Agents: Allstate boasts a vast network of local agents who can provide personalized assistance and guidance, making it easy for customers to get help when they need it.

Cons

• Higher Premiums: Allstate’s premiums may be higher compared to some other insurance providers, particularly for customers with less-than-perfect driving records or high-risk profiles. Use our Allstate auto insurance review as your guide.
• Limited Discount Opportunities: While Allstate offers some discounts, such as multi-policy and safe driving discounts, its discount options may be more limited compared to competitors, potentially resulting in higher overall premiums for some customers.

#5 – Farmers: Best for Personalized Service

Pros

• Customized Coverage Options: Farmers, as mentioned in our Farmers auto insurance review, offers a range of customizable coverage options, allowing customers to tailor their policies to meet their specific needs and preferences.
• Strong Claims Service: Farmers is known for its efficient claims service, with a dedicated team of claims representatives who work quickly to process and resolve claims, minimizing disruption for policyholders.
• Additional Benefits: Farmers provides additional benefits to policyholders, such as roadside assistance, rental car coverage, and new car replacement, enhancing the overall value of their insurance policies.

Cons

• Limited Availability: Farmers operates in fewer states compared to some other insurance providers, which may limit coverage options for customers in certain areas.
• Potentially Higher Premiums: While Farmers offers quality coverage and benefits, its premiums may be higher compared to some competitors, particularly for customers with specific risk factors or coverage needs.

#6 – Nationwide: Best for Flexible Options

Pros

• Wide Range of Coverage Options: Nationwide offers a diverse selection of coverage options, including specialized policies for unique needs such as classic cars, RVs, and motorcycles. Read more through our Nationwide auto insurance review.
• Member Benefits: Nationwide offers various benefits to policyholders, including access to discounts on everyday purchases, travel assistance services, and optional add-ons like roadside assistance and gap coverage.
• Strong Financial Stability: Nationwide has a solid financial stability rating, providing customers with confidence in the company’s ability to fulfill its financial obligations and handle claims efficiently.

Cons

• Higher Premiums for Some Customers: Nationwide’s premiums may be higher for certain customers, particularly those with less-than-perfect driving records or high-risk profiles.
• Limited Online Tools: Nationwide’s online tools and mobile app may not be as advanced or user-friendly as those offered by some competitors, which could be a drawback for customers who prefer managing their policies digitally.

#7 – Liberty Mutual: Best for Comprehensive Coverage

Pros

• Customized Coverage Options: Liberty Mutual offers a variety of coverage options and additional features, allowing customers to tailor their policies to meet their specific needs and preferences.
• Discount Opportunities: Liberty Mutual provides various discount opportunities, including multi-policy discounts, safe driver discounts, and discounts for safety features in vehicles, helping customers save on their premiums.
• Additional Benefits: Liberty Mutual offers additional benefits to policyholders, such as 24/7 claims assistance, roadside assistance, and optional coverage for rental cars and personal property.

Cons

• Higher Premiums: Liberty Mutual’s premiums may be higher compared to some other insurance providers, particularly for customers with specific risk factors or coverage needs. Read more through our Liberty Mutual auto insurance review.
• Mixed Customer Service Reviews: While Liberty Mutual offers strong benefits and coverage options, some customers have reported mixed experiences with the company’s customer service, including issues with claims processing and communication.

#8 – American Family: Best for Community-Centric

Pros

• Personalized Service: American Family emphasizes personalized service, with a network of local agents who can provide individualized guidance and support to customers, ensuring their insurance needs are met.
• Discount Opportunities: American Family offers a variety of discount opportunities, including multi-policy discounts, safe driver discounts, and discounts for bundling auto and home insurance, helping customers save on their premiums.
• Community-Centric Approach: American Family is known for its community involvement and support initiatives, giving back to local communities through grants, sponsorships, and volunteer programs.

Cons

• Limited Availability: American Family operates in fewer states compared to some other insurance providers, which may limit coverage options for customers in certain areas. Read more through our American Family auto insurance review.
• Potentially Higher Premiums: While American Family offers personalized service and discount opportunities, its premiums may be higher compared to some competitors, particularly for customers with specific risk factors or coverage needs.

#9 – Travelers: Best for Diverse Coverage

Pros

• Financial Strength: Travelers has a strong financial stability rating, providing customers with confidence that their claims will be handled promptly and efficiently, even in challenging economic conditions.
• Wide Range of Coverage Options: Travelers offers a diverse selection of coverage options, including specialized policies for unique needs such as rental properties, boats, and umbrella liability coverage. For further insights, look at our Travelers auto insurance review.
• Additional Benefits: Travelers provides additional benefits to policyholders, such as 24/7 claims assistance, roadside assistance, and optional coverages like rental car reimbursement and accident forgiveness.

Cons

• Limited Agent Availability: Travelers primarily operates through independent agents, which may result in limited availability for face-to-face interactions and personalized service compared to companies with larger networks of local agents.
• Mixed Customer Reviews: While Travelers offers strong coverage options and benefits, some customers have reported mixed experiences with the company’s customer service, including issues with claims processing and communication.

#10 – The Hartford: Best for Specialized Protection

Pros

• Specialized Protection: The Hartford offers specialized insurance products, including coverage for classic cars, RVs, and small businesses, catering to customers with unique insurance needs.
• AARP Partnership: The Hartford partners with AARP to offer exclusive insurance benefits and discounts to AARP members, providing additional value and savings opportunities for eligible policyholders.
• Strong Financial Stability: The Hartford has a solid financial stability rating, assuring customers of the company’s ability to fulfill its financial obligations and handle claims efficiently.

Cons

• Limited Availability: The Hartford’s insurance products may not be available in all states, limiting coverage options for customers in certain geographic areas. Follow our guide through The Hartford auto insurance review.
• Higher Premiums for Some Policies: While The Hartford offers specialized protection and benefits, premiums for certain policies may be higher compared to standard insurance offerings from other providers, particularly for customers with specific risk factors or coverage needs.

DUI Premium Increases for Top 5 Companies

Car Insurance Premiums for DUI Drivers Vary Widely Across the Country

Final Word