Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Oct 28, 2021

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Key Takeaways

  • The best car insurance companies for a DUI may include GEICO, Progressive, State Farm, USAA, and Allstate
  • How much your car insurance rates increase depends mostly on your insurance company, the state in which you live, and the rest of your driving record
  • You can save money on car insurance by comparing quotes from multiple companies, taking advantage of discounts, and driving safely

Car insurance companies determine rates on many factors, but one of the most important considerations is your driving record. If you have violations on your driving record, your rates are likely to be higher than drivers with clean records.

DUIs are a more serious violation that can have an even more dramatic effect on your car insurance rates. However, we’ve compiled a list of the best car insurance companies for a DUI below to make it easier for you to find affordable car insurance after a DUI.

If you need to buy DUI car insurance, enter your ZIP code into our quote comparison tool above to get free DUI car insurance quotes.

What are the best car insurance companies for a DUI?

Car insurance companies are going to increase your rates after a serious violation such as a DUI, but some companies will have more lenient increases than others.

The companies listed below are some of the best car insurance companies for a DUI:


GEICO has relatively low rates compared to other car insurance companies, and their rate increases after traffic violations generally result in rates still lower than other companies.


For serious violations like DUIs and accidents, Progressive has some of the smaller percentage increases compared to other companies. Keep in mind that other companies with lower rates to begin with may still be cheaper.

State Farm

State Farm offers affordable DUI car insurance along with multiple ways to save, such as discounts and bundling with other types of insurance.


USAA provides affordable car insurance for members of the military, veterans, and their families. If you belong to this group and have a DUI, you may be able to get cheaper rates from a company that caters specifically to military families.


Allstate is another major car insurance company that provides a variety of coverage options for drivers with DUIs on their driving records. You may also be able to take advantage of other discounts to save money.

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How much does car insurance cost after a DUI?

After a DUI, you are generally guaranteed to see an increase in your rates. However, how much your rates increase can depend on the car insurance company you choose, where you live, and other factors.

Average Annual Auto Insurance Rates by Driving Record
CompaniesClean Driving RecordOne Speeding CitationOne AccidentOne DUI
Liberty Mutual$3,184.72$3,442.90$3,811.97$4,044.73
State Farm$3,987.31$4,382.83$4,778.37$4,382.83
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If you have a higher level of coverage, you are also likely to see larger increases in DUI car insurance rates. In some cases, you could pay up to twice the amount that drivers with clean driving records do.

In some states, there may be an increase of less than 50%, while others can see increases of over 165% of your rates, which could range between $195 and $4,165 more per year.

If your driving record is clean other than the DUI, you will not see increases as high as drivers who may have multiple violations listed on their driving record.

How long does a DUI affect your insurance? A DUI could affect your car insurance rates for between three and five years, depending on which state you live in.

What if I’m denied car insurance after a DUI?

If you have multiple DUIs or a severe history of traffic violations, some car insurance companies could deny you coverage. If you’re not having luck finding coverage from major car insurance companies, your next search should be for companies that cater specifically to high-risk drivers.

High-risk drivers may be able to find car insurance from smaller companies, such as The General or Direct Auto. These companies offer affordable rates for risky drivers, and they may be able to provide SR-22 forms for drivers who need them.

If you still don’t qualify for insurance through high-risk insurance companies, you may want to look into your state’s high-risk insurance pool program.

How can I save on DUI car insurance?

There are many ways you can learn how to lower car insurance after a DUI.

If you currently have car insurance, your rates will likely increase on your next renewal, depending on how often your insurance company checks your driving record. Therefore, you may want to shop around with other companies to see if you can get cheaper rates elsewhere.

Comparing quotes from multiple companies is key to understanding which are the best car insurance companies for a DUI. Another essential DUI insurance trick is to choose a company that offers a variety of discounts that you can qualify for.

You may also want to consider taking a defensive driving course or other driver’s education program that can help you lower your rates. Making sure that you drive safely is important to ensure lower rates.

When you hit the three- and five-year mark after your DUI, you may want to compare quotes again to see if your rates have decreased. Enter your ZIP code into our free quote comparison tool below to find a DUI car insurance company near you.