Cheap Auto Insurance Companies That Accept DUIs in 2024
While most auto insurance companies that accept DUI auto insurance will raise your rates, some are a better choice than others. Look for companies that specialize in providing coverage to high-risk drivers. Some auto insurance companies don’t accept DUI drivers, but you will likely be able to get insured. One thing to keep in mind is, you should be honest with your insurer. If it finds out you hid your DUI, it can cancel your policy immediately.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- A DUI on your record will increase the rate you pay for auto insurance
- Even if you try to hide the DUI from your auto insurance company, it will most likely find out when it’s time to renew your policy
- An SR-22 is required in many cases when your license has been suspended after a DUI
If you’ve got a DUI it isn’t the end of the world as far as your auto insurance is concerned. It will make it more challenging to get auto insurance coverage and will definitely increase the amount you pay to insure your vehicle, however.
Still, insurers are in the business of selling insurance and will do their best to accommodate you.
Most companies have a type of insurance specifically for high-risk drivers that you can look into. Although it may appear impossible to find cheap auto insurance after a DUI, the answer is to check rates from as many companies as possible.
You don’t have to wait to get quotes from auto insurance companies that accept DUI drivers. Just enter your ZIP code in our free tool to find the top affordable auto insurance companies that accept DUI auto insurance in your area right now.
What insurance companies accept DUI drivers?
Both large nationwide auto insurance companies and smaller local ones will provide insurance for drivers after a DUI.
Larger ones include Allstate, Geico, Progressive, and State Farm. However, after a DUI you could find that local auto insurance providers can provide you with a better plan than big companies. The best way to find out is to get a quote.
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How To Get Auto Insurance For DUI Offenders
While an insurance policy called “auto insurance for DUI offenders” doesn’t exist, there are still options for you after a DUI.
In general, it doesn’t matter what the circumstances of your DUI were. No matter what you will be considered a high-risk driver by insurance companies so you will pay more.
You can try to purchase just the minimum amount of insurance required by your state. However, the state minimum often is not enough coverage if your car is financed with a loan or is leased.
You should also know that if an accident happens, low levels of coverage may mean you pay out of pocket for any damage caused.
If your DUI results in your license being suspended, in order for you to get it back you might have to get SR-22 insurance. This isn’t a specific type of auto insurance with DUI, but rather a form that your auto insurance company files to prove to the state that you do, in fact, have insurance.
How can auto insurance companies find out whether a person has been charged with a DUI?
The DMV will almost certainly inform your insurer of your DUI when the company checks its records, usually when it’s time for you to renew your policy.
Cheap Auto Insurance For Drivers With DUI
Progressive and State Farm are known for being cheap options for DUI auto insurance. To give you an idea of the cost, here are the average annual auto insurance rates you can expect to pay after one DUI.
Average Annual Auto Insurance Rates After One DUI
| Companies | Average Annual Rats with a Clean record | Average Annual Rates with One DUI |
|---|---|---|
| Allstate | $3,819.90 | $6,260.73 |
| American Family | $2,693.61 | $4,330.24 |
| Farmers | $3,460.60 | $4,718.75 |
| Geico | $2,145.96 | $4,875.87 |
| Liberty Mutual | $4,774.30 | $7,613.48 |
| Nationwide | $2,746.18 | $4,543.20 |
| Progressive | $3,393.09 | $3,969.65 |
| State Farm | $2,821.18 | $3,636.80 |
| Travelers | $3,447.69 | $5,741.40 |
| USAA | $1,933.68 | $3,506.03 |
USAA is the cheapest on average but not everyone is eligible for insurance from this company. State Farm and Progressive are the next two least expensive. The amount you pay for your policy will vary according to your vehicle, driving record, and location.
Find Auto Insurance From An Auto Insurance Company That Accepts DUI
Buy auto insurance from companies that accept DUI auto insurance by using our free tool. Enter your ZIP code to compare rates from auto insurance companies that accept DUI auto insurance right now.
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Frequently Asked Questions
Can I find cheap auto insurance companies that accept DUIs?
Yes, it is possible to find auto insurance companies that offer coverage to individuals with DUIs on their driving record. While DUIs can result in higher insurance premiums, some insurance providers specialize in offering affordable rates for drivers with DUI convictions.
Why do DUIs affect auto insurance rates?
Insurance companies consider DUI convictions as an indicator of risky behavior and increased likelihood of accidents. Therefore, individuals with DUIs are often viewed as high-risk drivers, resulting in higher insurance premiums to offset the potential risk.
Are there specific auto insurance companies known for accepting DUIs at affordable rates?
While insurance rates and acceptance policies can vary by location and individual circumstances, some insurance companies are known for offering competitive rates to drivers with DUI convictions. Examples of such companies include:
- The General
- Dairyland
- Serenity Insurance
- Titan Insurance
- Freeway Insurance
Will my DUI conviction affect my insurance rates forever?
In most cases, a DUI conviction will impact your insurance rates for several years. Typically, insurance companies consider DUIs within the past three to five years when determining premiums. However, the exact duration can vary depending on the state laws and the insurance company’s policies.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.