UPDATED: Mar 13, 2020
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Getting a DUI will cause car insurance premiums to go up. However, getting one or more DUIs doesn’t necessarily prevent you from getting car insurance. In fact, you might end up spending significantly less than you expected on car insurance after a DUI – especially if you take the time to compare car insurance quotes.
Today, certain car insurance providers in the United States are more accepting of DUI-convicted drivers than others. No car insurance company will ever give you a discount for getting a DUI, but some companies are known for offering competitive premiums regardless of whether this is your first, second, or even your third DUI.
Keep reading to discover the best car insurance companies for drivers convicted of driving under the influence (DUI) or driving while intoxicated (DWI).
State Farm is one of the most DUI-friendly car insurance companies in the United States. In fact, our research indicates that the average State Farm driver will pay just 15% to 25% higher insurance premiums after a single DUI conviction. If you pay $100 per month for car insurance right now, then your premiums might only rise to $115 or $125 per month after a single DUI conviction. This is a significantly lower price hike than other major countrywide car insurance companies.
Progressive is another car insurance company with a relatively friendly attitude towards DUI-convicted drivers. The average Progressive driver can expect to pay approximately 30% to 40% higher insurance premiums after a single DUI conviction. On an average policy, that might mean just a few hundred more dollars per year after your first conviction. This difference might seem large; however, considering other car insurance companies often double your premiums after a DUI, Progressive has a relatively lax attitude towards DUI convictions.
Farmers is another car insurance company known for maintaining low, competitively-priced premiums after a single DUI conviction. The average Farmers policyholder will see a 35% jump in insurance premiums after a first DUI conviction, which is significantly less than other providers on this list.
Allstate policyholders can expect premiums to rise about 42% after the first DUI conviction. Allstate’s policies tend to be competitively priced across the country, although Allstate is rarely the cheapest provider in any region. If you have a clean driving record, then Allstate might not be the cheapest option. For drivers with a DUI, however, Allstate may offer better cost savings than any other insurance provider on this list.
GEICO offers competitively-priced car insurance across the United States. In many regions, GEICO is the cheapest car insurance provider by hundreds of dollars per year. However, these low premiums come at a cost: as soon as you get a hit on your driving record, GEICO will raise costs substantially. A single DUI conviction will raise your GEICO car insurance premiums by anywhere from 50% to 60%, costing you hundreds of dollars more per year. That may sound bad. However, GEICO’s premiums already start at a low level, which means you might still come out ahead of the other providers.
Some drivers report getting good rates with Liberty Mutual after a DUI, while others claim the company offers relatively high rates. In certain states, Liberty Mutual will be the best option after a first DUI conviction, although it may not be the cheapest option in others. Consider requesting a quote with Liberty Mutual online today to see what type of premium you can expect to pay.
Mercury is one of the smaller major car insurance providers in the United States, although some drivers – particularly in California – claim they have received surprisingly low car insurance premiums after a single DUI conviction. If you have recently received a DUI in California or any other state, then it may be worth requesting a quote from Mercury if you’re looking to get back on the road without breaking the bank.
USAA is frequently chosen as one of the nation’s best car insurance providers year after year. The only ‘catch’ is that you or an immediate family member needs to be an active duty or retired member of the military. If you qualify, then USAA should provide competitively-priced car insurance premiums even if you have a DUI on your record.
American Family Insurance
American Family is another major car insurance company that offers competitive quotes to DUI drivers in certain states, but not in others. In many states – including Illinois – American Family offers surprisingly affordable car insurance quotes to drivers who have been convicted of a DUI.
Erie Insurance Group
Erie isn’t available nationwide. However, in states where Erie is available, the company may offer some of the cheapest car insurance policies in the region. Drivers in Ohio and Pennsylvania, for example, can pay surprisingly low insurance premiums with Erie even after a DUI conviction. If you live in one of 12 states covered by Erie, and you’re looking for the best DUI car insurance, then Erie Insurance Group may be worth a look. The 12 states covered by Erie include Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin, as well as the District of Columbia.
Car Insurance Premiums for DUI Drivers Vary Widely Across the Country: Compare Quotes Online Today
The best car insurance company for a driver with a DUI in California is going to be different than the best insurer in Georgia or North Carolina.
Car insurance laws vary widely by state. DUI punishments can also vary according to the severity of your crime. Some states and insurance companies treat DUI convictions very seriously, while others let you get one or two DUIs without having a major impact on insurance premiums.
Rates can also vary widely based on your age and other factors. A 55-year old driver with a clean driving record who received her first DUI, for example, may face less punishment than a 22-year old driver who just received his second DUI.
For that reason, we recommend comparing quotes online today to find the best car insurance company based on your unique situation. No two car insurance policyholders are alike.
Driving under the influence (DUI) or driving while intoxicated (DWI) are serious convictions. You can expect to pay 30% to 150% higher insurance premiums after a DUI conviction.
However, by requesting quotes from the insurance companies listed above, you can limit the impact of your DUI and ensure you continue paying competitive rates for car insurance after your DUI.