Auto Insurance Companies That Accept DUIs (2022)

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.

UPDATED: Oct 29, 2021Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Oct 29, 2021

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A Concise Overview

  • 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
CompaniesAverage Annual Rats with a Clean recordAverage Annual Rates with One DUI
American Family$2,693.61$4,330.24
Liberty Mutual$4,774.30$7,613.48
State Farm$2,821.18$3,636.80
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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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