Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Car insurance for drivers with a DUI
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Insurance requirements after a DUI
In most states, drivers with a DUI may be required to file an SR-22. An SR-22 is not an insurance policy but rather a form filed by your insurance company that states you are maintaining minimum liability insurance coverage. If you live in Florida or Virginia, you may need an FR-44 certification instead of an SR-22. Depending on your state, your license may be suspended as a result of a DUI conviction.
If you are advised that you need an SR-22 or FR-44 filing, you will need to contact your insurance company. However, not all car insurance companies offer SR-22s or FR-44s. If your current insurance company does not offer this service, you will likely need to switch insurance carriers to find an insurer that specializes in high-risk drivers.
How to find the best cheap insurance with a DUI
Finding cheap car insurance rates after a DUI may require a little more effort, but there are a few strategies that could help lower your premium. If you're having trouble finding affordable coverage after a DUI, consider the following:
- Maintain a clean driving record: Even if your driving record isn't perfect, avoiding future tickets and accidents may help bring down your rates over time.
- Bundle your policies: Bundling discounts are often some of the most significant. Bundling your auto and home insurance or auto and renters insurance may save you money on one or both policies.
- Increase your deductible: Increasing your deductible on your collision and comprehensive coverage may help to lower your monthly payment, but you will have to pay more out of pocket if you file a claim. If you increase your deductible, most insurance professionals recommend choosing an amount that you could still comfortably pay out of pocket.
- Adjust your payment method: Many car insurance companies will offer you a discount when you opt for paperless billing, automatic billing or pay your premium in full.
- Shop around and compare rates: Each insurance carrier has its own underwriting guidelines. Comparing quotes from different carriers may show you which one could offer you the lowest rates for your situation and coverage needs.
Different insurance companies have different discount opportunities. Speaking with a licensed insurance agent can help you identify the best way to save for your circumstances.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base) and single DUI conviction.