Carrier vs. Carrier Comparisons
State Farm, Geico, and Progressive are the best providers of cheap car insurance for drivers with a DUI.
These companies offer the best car insurance for high-risk drivers with DUIs with tailored policies and competitive discounts.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $130 | B | Cheap Rates | State Farm |
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#2 | $135 | A++ | Online Quotes | Geico |
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#3 | $140 | A+ | Flexible Coverage | Progressive |
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#4 | $145 | A++ | Military Focus | USAA |
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#5 | $150 | A+ | Strong Service | Nationwide |
 |
#6 | $170 | A | Family Oriented | American Family |
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#7 | $175 | A | Coverage Variety | Farmers |
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#8 | $180 | A | Personalized Rates | Liberty Mutual |
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#9 | $190 | A+ | Comprehensive Policies | The Hartford |
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#10 | $195 | A++ | Nationwide Availability | Travelers |
Whether you need flexible payment options or robust support, these providers lead the industry in catering to drivers with a DUI.
Start saving on your car insurance after a DUI by entering your ZIP code above and comparing quotes.
What You Should Know
- Drivers with DUIs need policies that cater to high-risk insurance requirements
- State Farm offers the best overall coverage for drivers with a DUI starting at $130/month
- Progressive provides more flexible insurance options for DUI drivers
#1 – State Farm: Top Overall Pick
Pros
- Consistent Discounts for Drivers with a DUI: State Farm provides dependable savings, helping reduce expenses for high-risk motorists.
- Multiple Policy Bundling Opportunities: State Farm offers deals on DUI insurance when combining home and auto policies. Learn more in our State Farm insurance review.
- Nationwide Presence: State Farm’s extensive reach ensures coverage is accessible to drivers with a DUI across the country.
Cons
- Higher Costs for Younger Motorists: Premiums may be steeper for younger individuals with a DUI compared to competitors.
- Less Financial Stability: State Farm's lower A.M Best rating might deter some drivers who need to file a car insurance claim after a DUI.
#2 – Geico: Cheapest Online Quotes
Pros
- Fast Online Quote Process: Geico simplifies the quote process for drivers with a DUI, making it swift and convenient.
- Affordable Plans for Drivers with a DUI: Geico offers some of the most competitive monthly DUI insurance prices.
- Excellent Financial Stability: With an A++ rating, Geico guarantees dependability for drivers with a DUI. See more details on car insurance claims ratings.
Cons
- Higher Deductibles: Those with a DUI might encounter elevated deductibles, impacting their overall savings.
- Varied Discount Availability: Not all discounts are accessible to drivers with a DUI in every region.
#3 – Progressive: Cheapest Flexible DUI Coverage
Pros
- Adjustable Coverage: Drivers with a DUI can modify their coverage to fit their budget with the Name Your Price tool.
- Cheap Insurance After a DUI: Drivers with a DUI can get cheap car insurance starting at $140/month with Progressive.
- Reputable for High-Risk Drivers: Progressive is highly regarded for accommodating drivers with a DUI. Check out full ratings in our Progressive car insurance review.
Cons
- Higher Initial Premiums: Drivers with a DUI may experience higher starting premiums than other providers.
- Limited Usage-Based Savings: Progressive Snapshot is not available to drivers with a DUI in some states.
#4 – USAA: Cheapest for Military Drivers With a DUI
Pros
- Outstanding Customer Service: USAA is well-known for offering superior service tailored to military drivers with a DUI.
- Exclusive Insurance Discounts: Military drivers with a DUI can take advantage of numerous discounts. Discover more offerings in our USAA car insurance review.
- Dependable Roadside Assistance: Drivers with a DUI can rely on strong roadside support at affordable rates.
Cons
- Variable Premiums: DUI insurance rates may shift significantly for military drivers depending on their service background.
- Fewer Physical Offices: Military drivers with a DUI may find it harder to get in-person help due to fewer branch locations.
#5 – Nationwide: Best for Strong Service
Pros
- High-Quality Support for Drivers with a DUI: Nationwide offers excellent service customized to meet the needs of high-risk drivers.
- First Accident Forgiveness: Nationwide protects drivers with a DUI from massive rate increases after their initial accident. Read more in our Nationwide Insurance review.
- Flexible Billing Options: Nationwide allows drivers with a DUI to choose more manageable payment plans.
Cons
- Costly Premiums for DUI Drivers: Initial rates for drivers with a DUI may start higher than those of competitors.
- Telematics Limitations: Some drivers with a DUI may not benefit from usage-based insurance savings.
#6 – American Family: Cheapest for Families
Pros
- Family-Oriented Discounts: Drivers with a DUI can benefit from discounts for insuring multiple family members and multiple vehicles.
- Reliable Financial Security: American Family’s A rating ensures drivers with a DUI can count on financial dependability.
- Personalized Support: AmFam is known for its dedicated service, especially for drivers with a DUI. Get the details in our review of American Family Insurance.
Cons
- Elevated Rates After a DUI: Drivers with a DUI might encounter higher premiums with American Family.
- Subpar Digital Experience: The online tools for drivers with a DUI may not be as advanced as other companies’ offerings.
#7 – Farmers: Cheapest Coverage Variety
Pros
- Diverse Insurance Options for Drivers with a DUI: Farmers provides a range of plans tailored for drivers with a DUI on their record.
- Wide Array of Discounts: Many savings opportunities are available for drivers with a DUI, including bundling options. Get the list in our Farmers review.
- Solid Financial Foundation: Farmers’ A rating offers confidence for drivers with a DUI who want secure coverage.
Cons
- Higher Starting Costs: Drivers with a DUI may pay higher initial premiums compared to competing providers.
- Inconsistent Customer Service: Some drivers with a DUI may experience varying levels of service quality.
#8 – Liberty Mutual: Best for Personalized Rates
Pros
- Tailored Rates for Drivers with a DUI: Liberty Mutual provides individualized pricing, especially suited for high-risk drivers.
- User-Friendly Digital Platform: Learn more about Liberty Mutual’s online interface by reading our insurance review of Liberty Mutual.
- Telematics Program for Premium Reductions: Liberty Mutual offers a telematics program to help drivers with a DUI lower their rates.
Cons
- High Initial Premiums: Liberty Mutual tends to charge higher starting premiums for drivers with a DUI on their record.
- Limited Agent Access: Some drivers with a DUI may find it difficult to get in-person assistance from an agent.
#9 – The Hartford: Cheapest Comprehensive Policies
Pros
- Complete Coverage for Drivers with a DUI: The Hartford offers extensive plans that are well-suited to high-risk drivers with a DUI.
- Special Discounts for AARP Members: Drivers with a DUI who are AARP members can benefit from additional savings. Find out more in our The Harford review.
- Accident Forgiveness for DUI Drivers: Hartford helps prevent major rate increases after the first accident for drivers with a DUI.
Cons
- Limited Discount Options: Not all drivers with a DUI will be able to access the full range of available savings.
- AARP Member Restrictions: Some of the best benefits are exclusive to AARP members, potentially excluding younger drivers with a DUI.
#10 – Travelers: Cheapest With Nationwide Availability
Pros
- Widespread Availability for Drivers with a DUI: Travelers offers coverage across the country, making it the most accessible for high-risk drivers with a DUI.
- Telematics-Based Discounts: Travelers provides usage-based insurance options to help drivers with a DUI cut costs.
- Strong Financial Rating: Drivers with a DUI can trust Travelers’ A++ rating for financial stability. Discover more ratings here: Travelers car insurance review.
Cons
- Higher Premiums for DUI Drivers: Travelers may charge drivers with a DUI higher rates than some competitors.
- Less Tailored Support: Some drivers with a DUI report less personalized customer service from Travelers.
Comparing Car Insurance Rates for Drivers with a DUI
It can be hard for people with DUIs to find cheap car insurance, but there are companies that still offer competitive policy options.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
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$170 | $230 |
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$175 | $240 |
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$135 | $185 |
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$180 | $250 |
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$150 | $210 |
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$140 | $200 |
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$130 | $180 |
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$190 | $260 |
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$195 | $270 |
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$145 | $195 |
Affordable full coverage insurance plans from companies like Geico and Progressive are available for high-risk drivers, so they can stay protected without spending a lot of money.
Critical Factors That Raise DUI Insurance Prices
Insurance costs for drivers with a DUI can be notably higher due to their elevated risk profile since a driving record plays a significant role in setting rates.
Drivers with a DUI often face high premiums and limited options, as many insurance providers classify them as high-risk clients, making it difficult to find affordable and comprehensive coverage.
⚠ It's peak season for animal collisions. ⚠
— State Farm (@StateFarm) October 24, 2023
Drivers: follow these tips and use extra caution between now and December. pic.twitter.com/aoIIS4evIp
Location is another important factor, as each state has varying regulations and risk assessments that can impact DUI-related insurance costs.
The level of coverage also influences costs, with full coverage being more expensive than liability car insurance, which is the minimum requirement in most states.
Cutting DUI Car Insurance Costs
Reducing car insurance costs after a DUI involves strategic planning. Improving your driving record over time by avoiding further violations can help you gradually qualify for lower rates.
Bundling policies — such as combining cheap homeowners insurance with auto coverage — can result in substantial discounts with certain providers. High-risk car insurance companies also offer plenty of other discounts for drivers with DUIs.
| Insurance Company | Available Discount |
|---|---|
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Good Driver Discount, Multi-Policy Discount, Homeowner Discount, Anti-Theft Device Discount |
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Defensive Driving Discount, Multi-Policy Discount, Anti-Theft Device Discount, Military Discount |
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Good Driver Discount, Multi-Policy Discount, Vehicle Safety Features Discount, Hybrid Vehicle Discount |
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Safe Driver Discount, Multi-Policy Discount, Anti-Theft Discount, Paperless Discount |
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Snapshot Discount, Multi-Policy Discount, Continuous Insurance Discount, Good Student Discount |
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Safe Driver Discount, Defensive Driving Course Discount, Vehicle Safety Discount, Multi-Policy Discount |
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Defensive Driver Course Discount, Anti-Theft Device Discount, Hybrid/Electric Vehicle Discount |
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Safe Driver Discount, Multi-Policy Discount, Homeowner Discount, New Car Discount |
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Safe Driver Discount, Defensive Driving Discount, Multi-Policy Discount, Vehicle Storage Discount |
Shopping around for quotes is crucial, as some companies specialize in offering more competitive rates for high-risk drivers. By applying these tactics, drivers with a DUI can alleviate some of the financial pressure from elevated insurance costs.
Affordable Car Insurance for Drivers With a DUI
State Farm, Geico, and Progressive sell cheap car insurance for drivers with a DUI in most states.
Several of the best car insurance companies offer tailored plans that meet the needs of DUI drivers while remaining budget-friendly.
For instance, State Farm offers competitive rates and multi-policy discounts. Geico provides flexible payment plans, and Progressive stands out with accident forgiveness and flexible coverage.
Get the minimum car insurance coverage you need to drive legally after a DUI by entering your ZIP code into our free quote comparison tool below.
Frequently Asked Questions
What does DUI mean for car insurance?
DUI insurance refers to car insurance for drivers who have been convicted of driving under the influence, which often results in higher premiums.
What's the best car insurance for drivers with a DUI?
State Farm, Geico, and Progressive are often considered the best insurance options for drivers with a DUI due to their competitive rates and flexible policies.
Who typically has the cheapest car insurance for drivers with a DUI?
State Farm often has the cheapest car insurance for drivers with a DUI.
What is the best car insurance for drivers with a DUI in NY?
Geico and Progressive are often the best and cheapest car insurance companies in New York for drivers with a DUI, offering competitive rates and comprehensive coverage.
At what age is car insurance most expensive for drivers with a DUI?
Car insurance is most expensive for drivers with a DUI between the ages of 18 and 25, as younger drivers are already considered high-risk.
What is the best car insurance for drivers with a DUI in Texas?
State Farm and Geico are the best car insurance options for drivers with a DUI in Texas due to their affordable rates and broad coverage. Compare the best and cheapest car insurance in Texas here.
Does Geico insure drivers with a DUI?
Yes, Geico provides insurance for drivers with a DUI, offering competitive rates and flexible payment options.
Will Progressive drop me after a DUI?
Progressive will not drop you after a DUI, but your rates will likely increase due to the higher risk category.
Who is cheaper for drivers with a DUI, Geico or Progressive?
Geico typically offers lower rates for drivers with a DUI compared to Progressive, but rates vary based on individual circumstances.
Will USAA drop my car insurance after a DUI?
It typically won’t drop you for a DUI, but getting a DUI is a major reason why your car and homeowners insurance rates increase with USAA.
How much does a DUI raise car insurance with USAA?
A DUI can raise your USAA insurance premiums by 50% or more, depending on various factors like driving history and location.
Why is Allstate so expensive for drivers with a DUI?
Allstate tends to have higher rates for drivers with a DUI due to its risk assessment and pricing models for high-risk drivers.