The Best Auto Insurance for DUI

Like all insurance companies, Progressive will increase your rates following a DUI, but its average rates for drivers with a DUI are significantly lower than competitors and 16 percent cheaper than the national average.

In addition, it offers many discounts, which can help you keep your rates as reasonable as possible. These include a telematics discount program, Snapshot, which you can sign up for even if you have a spotty driving record. You’ll just want to make sure that you drive safely moving forward. Snapshot monitors your driving behaviors via the Snapshot app or a plug-in device, whichever you prefer.

You’ll drive as you normally would, and the app will see how hard you’re braking, how fast you’re accelerating, how late into the night you’re driving, and how much you’re driving overall. According to Progressive, the average customer saves $169 just for signing up, then $322 by the time the program completes (this discount excludes Hawaii and North Carolina, and the program isn’t available for policyholders in California).³

Progressive DUI Pricing

State Farm is known for offering competitive rates, including to customers with DUIs. It ranks above average nationally for claims satisfaction in J.D. Power’s Claims Satisfaction Study and above average for customer satisfaction in every region in J.D. Power’s Auto Insurance Study.

In addition to its already competitive rates, you can take advantage of several discounts, even if you have a DUI, including State Farm’s Drive Safe & Save telematics program and a defensive driving discount. This discount is available in some states, including Texas and Montana, which have some of the highest DUI rates.⁴

Each state has different DUI laws, but in general, the state will restrict your driving privileges after a conviction. For example, you’ll face a license suspension of 30 to 90 days or more, typically. When the suspension ends, you will most likely have to install a DUI ignition interlock. If you’re driving fewer miles for any reason — including DUI restrictions — you can save on auto insurance with State Farm via its low-mileage discount.

Another way you can lower your cost of auto insurance after a DUI is to combine all of your insurance needs at State Farm. You may be able to save up to $1,356 by bundling home and auto policies or up to $834 for bundling renters and auto.⁵

State Farm DUI Pricing

Breathe Easy is an insurance broker, not an insurance company, meaning that it doesn’t underwrite policies but rather helps clients find the best insurance for them from a variety of different providers, including Kemper and Dairyland.

Breathe Easy specializes in finding insurance for drivers who have been convicted of a DUI or similar charge and who are considered high risk. After a DUI conviction, the government may require you to get an SR-22 or FR-44 (depending on your state), which serves as proof that you have the minimum car insurance that your state requires. However, not every company accepts high-risk drivers with SR-22s.

If you need to file an SR-22 or FR-44 to reinstate your driving privileges following a DUI, Breathe Easy can help you through the process and make sure you have an insurance policy set up so you can get back on the road. You can easily start a quote on their website or give them a call. It is available in 42 states.

Direct Auto specializes in insurance policies for high-risk drivers. It’s a good option if you have a DUI or if insurance companies consider you to be high risk for another reason. This can include things like a lapse in insurance coverage, a history of infractions, or multiple accidents.

If your state requires you to have an SR-22 following a DUI, you must file one, even if you don’t own a car. In this situation, you’ll need to purchase non-owner auto insurance. You might need non-owner insurance for an SR-22 if you got a DUI in a borrowed car, or if you sold your car after a DUI.

Direct Auto sells non-owner insurance to anyone, including people with DUIs. The company will file your SR-22 as well. Non-owner insurance generally only includes liability coverage, though it can sometimes also include medical payments and uninsured/underinsured motorist coverage.

If the costs associated with a DUI pose a financial hardship to you, you might benefit from Direct Auto’s flexible payment options.  When it comes to paying your insurance bill, the company lets you choose the payment method, frequency, down payment amount, and payment schedule.

With a 3.5 percent market share, USAA is the seventh-largest insurance provider in the country.⁶ The company offers financial services to active military members (including pre-commissioned officers), veterans, and their families. It’s a good choice for military-affiliated individuals convicted of DUIs.

USAA offers cheaper insurance rates after DUIs than many competitors, even though your rates may increase significantly compared to what you were paying before your DUI. USAA also offers several discounts that individuals with DUI convictions can take advantage of, such as its SafePilot telematics program, bundling discounts, and a discount for garaging your car on a military base

After a DUI, you may choose to stop driving temporarily. Maybe your insurance rates are too high, you have a license suspension, you’re being deployed, or you feel you need to take a break from the road. By signing up for USAA’s SafePilot Miles program, you could save on your insurance if you drive less than average.

USAA DUI Pricing