Best DUI Car Insurance (2026)
Progressive is the cheapest major car insurance company for drivers with a DUI, at $268 per month for full coverage.
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Best cheap car insurance with a DUI
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Best cheap auto insurance with a DUI
Progressive, Travelers and American Family are the cheapest major companies for drivers with a DUI, DWI or DWAI.
All three companies are at least $95 per month cheaper than the national average, which is $391 per month.
However, some midsize insurance companies — such as NJM, Erie and Shelter — may be more affordable after a DUI.
Affordable car insurance with a DUI
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DUI and DWI car insurance rates differ a lot from one company to the next.
The most expensive major company, Nationwide, costs twice as much as the cheapest option, Progressive, for the same coverage. That's why it's important to get online car insurance quotes from multiple companies.
Cheapest full coverage DUI insurance rates
Data-powered research on DUI car insurance
| Data-powered research on DUI car insurance |
|---|
Cheapest DUI car insurance for most people: Progressive
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Full coverage after one DUI$268/moThis analysis used insurance quotes for thousands of ZIP codes across the U.S. Read our methodology.
Cheapest midsize company for DUI car insurance: NJM
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Full coverage after one DUI$223/moThis analysis used insurance quotes for thousands of ZIP codes across the U.S. Read our methodology.
Best DUI insurance for military members and veterans: USAA
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Full coverage after one DUI$248/moThis analysis used insurance quotes for thousands of ZIP codes across the U.S. Read our methodology.
Best insurance for drivers with multiple DUIs: The General
Cheapest DUI car insurance by state
Progressive has the cheapest DUI insurance quotes in 15 states, more than any other company.
However, the cheapest company nationally may not be the best option near you.
Travelers has the cheapest quotes in 13 states, while Geico is the cheapest option in five states.
Affordable DUI insurance by state
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Best cheap DUI auto insurance by state
State | Cheapest company | Monthly rate |
|---|---|---|
| Alabama | Travelers | $194 |
| Alaska | Umialik | $199 |
| Arizona | Progressive | $226 |
| Arkansas | Farm Bureau | $233 |
| California | Mercury | $351 |
Rates are for a full coverage policy with comprehensive and collision coverage, along with higher liability limits than the state requirement.
In 13 states and Washington, D.C., drivers with military ties can find the cheapest DUI insurance at USAA. However, you can only get insurance from USAA if you're a military member or veteran, or if your family member has had USAA insurance at some point.
DUI insurance in California and Florida
In California, it's against the law for your car insurance company to raise your rates or cancel your policy until your policy renews.
For example, say you buy a six-month policy and get a DUI in the third month. Your insurance company can't raise your rates or cancel your coverage until the policy ends. However, you should still tell your company that you got a DUI and prepare to shop around for new coverage.
California removes DUIs from your public driving record after 10 years. During that 10-year span, you will not be eligible for any good driver discounts.
Florida drivers with a DUI must have higher insurance limits than drivers with a clean record.
To get your license reinstated after a DUI in Florida, you'll need to have an insurance company file an FR-44 form. This form proves that you have the right amount of coverage.
How to lower car insurance after a DUI
Getting a DUI almost always causes your car insurance rates to go up. That's because insurance companies believe you're more likely to cause another accident in the future.
To find cheap DUI insurance, you should shop around, look for discounts and practice safe driving habits in the future.
Shop around: The best way to save money on car insurance after a DUI is to compare quotes from multiple companies. There's a difference of $326 per month between the most expensive major company, Nationwide, and the cheapest, Progressive. That's more than $3,900 per year.
To find the best policy for you, start by getting quotes from companies that offer the cheapest rates for high-risk drivers.
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Look for discounts: Most insurance companies offer discounts that can lower your rates. You can usually save a lot by bundling your auto insurance with a home or renters policy.
Smaller discounts, like those for signing up for automatic payments or getting your statements via email, can add up to big savings over time.
Practice safe driving habits: Going forward, it's important that you avoid tickets and accidents so your insurance bill doesn't go up even more.
You won’t see the effects of safe driving right away. But over time, safe driving can lower your insurance quotes after a DUI and get you discounts.
Some companies offer usage-based discounts that can save you money right away. Companies track your driving habits using your phone or a device that plugs into your car. If you're committed to driving more safely in the future, these programs can save you a lot of money.
Keep in mind that in some states, like California, you can't qualify for good driver discounts for a set period of time after a DUI.
How do insurance companies find out about a DUI?
Your insurance company will most likely find out about your DUI through the DMV. Different insurance companies check these records at different times, but many check when you're renewing your policy.
Your insurance company will also find out about your DUI if you need an SR-22 filing. After a DUI or a DWI, many states require an SR-22 form to get your license reinstated. Your auto insurance company needs to file the SR-22 with your state's DMV on your behalf.
It is highly unlikely — if not impossible — to hide a DUI from your insurance company.
Instead, you should tell your insurance company about your DUI conviction. If you don't let your insurance company know about your DUI, it may cancel your policy. That could lead to a lapse in coverage and higher rates.
Your company may still cancel your policy after you share the information about your DUI. But at least you won't be caught off guard and will have time to shop around for coverage.
Frequently asked questions
Who has the cheapest DUI insurance?
Progressive is the cheapest major insurance company after a DUI. Full coverage car insurance from Progressive costs around $268 per month. However, midsize companies — like NJM and Erie — tend to have cheaper rates than large national companies.
What is the best insurance for a DUI?
NJM, Erie and Shelter are the best car insurance companies for drivers with a DUI. However, these midsize companies aren't available in every state.
American Family is the best major insurance company after a DUI. Full coverage from American Family costs around $296 per month after one DUI, which is $95 per month cheaper than average. Although it's more expensive than Progressive or Travelers, American Family has much better customer service reviews. That could make things easier if you have an accident in the future.
Is there any DUI insurance trick?
No, there is no trick to prevent your rates from going up after a DUI. Your insurance company will find out through the DMV at some point.
Instead, be honest with your insurance company and then shop around for the best rate. Try to find as many discounts as you can and then be sure to drive safely in the future.
Methodology
To find the best cheap auto insurance for DUIs, ValuePenguin collected rates from ZIP codes across every state in the U.S. Quotes are for a single 30-year-old man with good credit, a 2018 Honda Civic EX and one DUI.
Rates are for a full coverage policy. It includes comprehensive and collision coverage, along with higher liability limits than state minimum requirements.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
Rates were provided by Quadrant Information Services and sourced from public insurance company filings. Your rates will likely be different, as these are for comparison purposes only.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
