The Cheapest Car Insurance for Drivers With a DUI in 2025

A DUI conviction can lead to some of the highest insurance costs out there, but you can get cheap rates after a DUI — if you know where to look. COUNTRY Financial and NJM offer the cheapest average rates to drivers with a DUI.

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Janet Berry-Johnson
Janet Berry-JohnsonPersonal Finance Writer

Janet Berry-Johnson, CPA, is a freelance writer with a background in accounting and income tax planning and preparation. She's been writing for Compare.com since 2023 and has also appeared on various business and finance sites, including LendingTree, Chime, Insurify, Forbes, and WSJ. She’s passionate about making complicated financial topics accessible to readers.

Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.

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Driving under the influence (DUI) can have a severe and negative effect on your driving record, often leading to a steep increase in your car insurance rates. On average, people without a DUI pay $151 per month for car insurance, but drivers with a DUI see their monthly rates jump to an average of $245, according to our data.

That said you still have some options for affordable auto insurance. For example, COUNTRY Financial offers the lowest average rates for drivers with a DUI, at $26 per month.

This guide covers everything you need to know to get cheap car insurance with a DUI. Find out how a DUI affects your rates, the cheapest insurers, and tips for lowering your rates over time.

Key Takeaways
  • A DUI increases car insurance rates by an average of 61% nationwide.

  • State Farm, Progressive, and American Family are some of the best car insurance companies for drivers with a DUI.

  • Taking a defensive driving course, raising your deductible, and asking about other discounts can help keep your premiums manageable.

How a DUI Affects Your Car Insurance Premiums

Insurance companies view DUI offenders as high-risk drivers. To offset this risk, insurers charge these drivers significantly higher car insurance premiums. On average, a DUI raises insurance rates by 61% nationwide, according to Compare.com data.

But your exact increase will vary depending on several factors, including your insurance company, the severity of the offense, and where you live. Some insurance companies are more lenient toward DUI convictions, while others could seriously hike your rates or even decline to renew your policy.

The table below shows the overall average monthly premiums for drivers with clean records compared to people with a DUI, according to our data.

Driving Record
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Average Monthly Premium: Liability Only
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Average Monthly Premium: Full Coverage
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Average Monthly Premium: All Policies
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Clean Record$107$195$151
With DUI$174$278$245
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest Car Insurance Companies for Drivers With a DUI

Although you’ll pay more for car insurance after a DUI, you can still find affordable coverage. Some insurance companies specialize in working with high-risk drivers, so it’s possible to save despite the higher-than-average costs.

The table below shows the cheapest car insurance companies for drivers with a DUI, along with each company’s average monthly premium, according to Compare.com data.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Company
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Average Monthly Premium
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COUNTRY Financial$26
NJM$40
Auto-Owners$54
USAA$78
Erie$81
Root$86
GEICO$89
State Farm$91
Mile Auto$91
Metromile$99
Allstate$102
American Family$117
Mercury$127
The Hartford$130
CSAA$133
Safeco$134
Nationwide$143
Travelers$151
Shelter$152
Dairyland$158
Direct Auto$158
National General$161
Progressive$163
Commonwealth Casualty$171
State Auto$172
The General$177
Farmers$180
Clearcover$184
21st Century$187
Bristol West$187
Chubb$189
Foremost$195
GAINSCO$205
Amica$212
Elephant$218
AssuranceAmerica$254
Liberty Mutual$276
Infinity$286
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

COUNTRY Financial has the lowest monthly average rate of $26. But just because these companies offer the lowest average rates doesn’t mean these companies will be the cheapest for everyone. Your personal rate will depend on factors like your location, driving history, and coverage needs.

That’s why it’s crucial to shop around and compare quotes from multiple insurance companies before choosing a policy. You can start by using a car insurance comparison site to see which company offers the best deal for your situation.

Save Serious Cash, Even With a DUI

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Cheapest Auto Insurers for Drivers With a DUI by State

Car insurance rates can vary from state to state due to differences in insurance regulations, risk levels, and insurance company competition. States with stricter DUI penalties or higher accident rates tend to have higher premiums, while states with more insurance companies competing for business may offer lower rates.

Factors like minimum-coverage requirements, SR-22 insurance requirements, and state-specific risks also affect the amount of your rate increase.

The table breaks down the statewide average premiums after a DUI. It shows the cheapest insurance company in each state, along with its average monthly rate, according to Compare.com data.

Cheapest Rates With a DUI

State
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Average Monthly Premium
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Cheapest Company
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AL$69USAA
AZ$75Auto-Owners
AR$55State Farm
CA$147USAA
CO$77State Farm
CT$90State Farm
DE$86USAA
FL$108State Farm
GA$100Auto-Owners
ID$96National General
IL$53Auto-Owners
IN$49Auto-Owners
IA$47Auto-Owners
KS$98CSAA
KY$110Auto-Owners
LA$117State Farm
ME$71USAA
MD$182USAA
MA$123Safeco
MI$94USAA
MN$116Safeco
MS$61State Farm
MO$57USAA
MT$undefinedundefined
NE$46Auto-Owners
NV$54COUNTRY Financial
NH$undefinedundefined
NJ$125NJM
NM$57State Farm
NY$141CSAA
NC$73Nationwide
ND$undefinedundefined
OH$58Mile Auto
OK$48State Farm
OR$102Mile Auto
PA$84State Farm
RI$undefinedundefined
SC$84USAA
SD$undefinedundefined
TN$38State Farm
TX$66State Farm
UT$107USAA
VT$undefinedundefined
VA$56Auto-Owners
WA$82Direct Auto
DC$117GEICO
WV$59State Farm
WI$39USAA
WY$undefinedundefined

Our Picks for the Best Auto Insurance After a DUI

Police car with flashing red lights on a city street at night, with blurred headlights and taillights of other vehicles in the background.

Finding affordable coverage after a DUI can be challenging. Plus, there’s no single best car insurance company for every driver. The company that may work best for you will depend on your unique driver profile.

Still, some insurance companies consistently offer competitive rates, valuable discounts, strong customer service, and flexible coverage options regardless of your driving record. We researched dozens of companies to help you find the right balance between affordability and protection.

The three companies below stand out based on a combination of average rates for DUI drivers, available coverages and discounts, and customer ratings.

#1 State Farm

Average premium: $190 per month

Compare.com Rating: 4.90 out of 5

Pros
  • Strong financial stability

  • Many discounts available

  • Network of local agents

Cons
  • Not always the cheapest option

  • Must finance gap insurance through State Farm Bank

  • Many customer complaints[1]

State Farm is a great option for drivers with a DUI because the company offers lower-than-average rate increases compared to its competitors. As the largest insurance company in the U.S., State Farm has a strong reputation for financial stability, so you can count on it being able to pay out potential claims.[2]

#2 Progressive

Average premium: $232 per month

Compare.com Rating: 4.73 out of 5

Pros
  • Competitive rates for high-risk drivers

  • Multiple discounts available

  • Strong online tools and mobile app

Cons
  • Rates can still be high

  • Mixed customer satisfaction ratings[3]

  • Snapshot program may increase rates

Progressive is a good choice for drivers with a DUI because it works with high-risk drivers and offers a variety of discounts to help lower premiums. Its Name Your Price tool and online quote system make comparing rates and coverage options easy. 

While your rates with Progressive may be higher after a DUI, the insurer is often more forgiving than its competitors when it comes to rate increases after a DUI or other incident.

#3 American Family

Average premium: $245 per month

Compare.com Rating: 4.98 out of 5

Pros
  • Competitive DUI rates in some states

  • Many discounts available

  • Strong customer satisfaction ratings[4]

Cons
  • Not available in all states

  • Higher rates in some regions

  • Fewer online tools than some competitors

American Family is a strong option for drivers with a DUI — particularly those who qualify for its many discounts, including usage-based insurance and bundling savings. American Family often provides lower-than-average rate increases after a DUI, depending on the state.

Customers can benefit from American Family’s high customer satisfaction ratings and personalized service through its network of agents in the states the insurer operates in.

How to Get Cheap Car Insurance With a DUI

A man in a car uses a breathalyzer device while holding the steering wheel, with greenery visible outside the window.

Even with a DUI on your record, you can still take steps to lower your car insurance costs. Here are five ways to find affordable coverage with a DUI.

  • Look for discounts. Many insurance companies offer discounts for bundling policies, maintaining good grades (if you or a dependent are a student), or installing a telematics device to track safe driving habits.

  • Take a defensive driving course. Completing a state-approved defensive driving course demonstrates responsibility and may remove points from your driver’s license. It can also help you qualify for a discount with some insurance companies.

  • Raise your deductible. Choosing a higher deductible lowers your monthly premiums. Just make sure you can afford the higher out-of-pocket cost if you need to file a claim.

  • Reduce coverage on older cars. If your car is old and has a low market value, consider dropping comprehensive and collision coverage to lower your premium. Liability-only coverage might be enough if the cost to repair it after an accident would be more than the car is worth. Just make sure you can afford the potential out-of-pocket expenses.

  • Switch to a more affordable insurance company. Some companies penalize drivers with a DUI more than others. Shopping around to compare rates from multiple insurance companies at least once a year ensures you’re getting the best deal.[5]

Find Cheaper Coverage After a DUI

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Cheap Car Insurance After a DUI FAQs

A DUI can leave you with higher insurance costs, but understanding how insurance companies handle DUI convictions can help you make informed decisions. Here are answers to common questions about finding cheap car insurance after a DUI.

  • COUNTRY Financial offers the most affordable coverage for DUI drivers, at an average of $26 per month, according to Compare.com data. But rates vary by many factors, including your unique driver profile, so it’s important to shop around.

  • While disclosing a DUI conviction isn’t a legal requirement, you should let your insurance company know about your DUI to avoid complications. Even if you don’t, your insurance company will likely find out when it checks your driving record before your policy renews. 

    Additionally, many states require you to get an SR-22 or FR-44 filing after a DUI, which also alerts your insurer of your DUI conviction.

  • The length of time a DUI stays on your record depends on the state you live. In general, a DUI usually stays on your driving record for three to 10 years, although it can stay on your record permanently in some states. But car insurance companies typically only consider you high risk and factor it into your rates for three to five years.

  • It’s possible. Some insurance may cancel or refuse to renew your policy after a DUI — especially if you have multiple violations. Others may continue coverage but at a much higher rate. If the insurance company cancels your coverage, you’ll need to find a new insurer quickly to avoid a lapse in coverage.

  • Yes. But it’ll take some time. Most insurance companies gradually lower rates after three to five years of clean driving. Taking a defensive driving course, improving your credit, and maintaining continuous coverage can help lower your premiums. Shopping around regularly also helps you find good coverage at the best possible rate as time passes.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources

  1. Better Business Bureau. "State Farm Insurance Company."
  2. Ambest.com. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Core Subsidiaries."
  3. Trustpilot. "Progressive."
  4. Trustpilot. "American Family Insurance."
  5. III. "Nine ways to lower your auto insurance costs."
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Janet Berry-Johnson
Janet Berry-JohnsonPersonal Finance Writer

Janet Berry-Johnson, CPA, is a freelance writer with a background in accounting and income tax planning and preparation. She's been writing for Compare.com since 2023 and has also appeared on various business and finance sites, including LendingTree, Chime, Insurify, Forbes, and WSJ. She’s passionate about making complicated financial topics accessible to readers.

Lequita Westbrooks
Edited byLequita WestbrooksSenior Editor
Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.

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