In the U.S. approximately 28 people are killed each day by driving under the influence of alcohol or drugs (DUI). If you are caught driving under the influence in New York, you will not only have to face an arrest, court fines, and having your drivers license revoked, but it can impact you for years to come. Your level of impairment in New York state depends on how much alcohol you drank, the amount of food you ate before drinking, the length of time you drank, your body weight, and your gender. In New York, driving with a blood alcohol content (BAC) of .08 or higher is considered DUI and a BAC of .04 is considered a DUI for drivers operating a commercial vehicle.

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After obtaining a DUI in New York, you are considered a high-risk driver, so you may not even be approved for an insurance policy depending on the severity of your case. Even if you are approved, you will have to pay significantly higher premiums than what you would normally have paid. After being convicted of a DUI, New York drivers will pay on average $4,307 annually for car insurance, which is 86 percent more than the normal cost of car insurance in New York.

DUI laws in New York

In New York, driving under the influence includes penalties such as having your license revoked, hefty fines and even jail time. New York law states that for a first offense, you will have to pay from $500 to $1,000 in fines, serve up to one year in jail and have a minimum of six months license suspension. For a second offense that occurs within 10 years, you will have to pay from $500 to $1000 in fines, serve up to four years in jail and have your license suspended for one year. For a third offense within ten years, you will have to pay from $2,000 to $10,000 in fines, serve up to seven years in jail and have your license suspended for one year.

If you accrue 11 points in an 18 month period, your license will be revoked. Additionally, on top of the DUI, you will be responsible for any other convictions and traffic violations during your arrest for DUI. A DUI will stay on your New York driving record for ten years. During these ten years, it will be difficult to obtain a cheaper insurance premium.

How a DUI affects your car insurance in New York

Obtaining a DUI in New York is a criminal offense. Therefore, you are considered a high-risk driver to insurance companies, and so you may not even be approved for an insurance policy depending on the severity of your case. If you apply for an insurance quote and are approved, your annual premium will likely be much higher than what it would be without a DUI.

On average, New York drivers will pay 57 percent more for car insurance. This is less than the national average where drivers in the U.S. will normally pay a 99 percent increase. However, the cost of insurance still remains higher in New York post DUI at $4,307, while the national average post DUI costs $3,336 as shown in the chart below.

It is also common for drivers who are convicted of a DUI to be required to submit an SR-22 or FR-44 form to the New York DMV. An SR-22 or FR-44 will show proof that you are insured with the minimum state requirements of New York for insurance.

Pre-DUI Post DUI Percent increase
New York $2,321 $4,307 +86%
National average $1,674 $3,336 +99%

Finding car insurance after a DUI in New York

Getting approved for car insurance after a DUI in New York can even be difficult. Many car insurance companies will see you as a high-risk driver. If you have been convicted of more than one DUI within a certain amount of time, car insurance companies may reject your application. If you are approved for insurance, however, you will still have to pay a significantly higher premium.

Some of the top car insurance companies offer the most competitive rates for DUI in New York. Based on Bankrate’s research, Progressive, USAA, Erie, American Family, and State Farm are some of the top insurance companies with the best care insurance rates after a DUI. The average annual premium after a DUI for each car insurance company are listed in the chart below.

While Progressive offers the more affordable average annual premium after a DUI in New York, New Yorkers can still apply discounts that may be able to lower the costs further. For example, after completing a New York defensive driving course, you may be able to receive a discount.

Car insurance company Average annual premium after a DUI
Progressive $2,067
USAA $2,126
Erie $2,152
American Family $2,368
State Farm $2,481

Frequently asked questions

How will a DUI in New York impact my criminal record?

A DUI in New York is considered a criminal offense and is against the law. Any first DUI conviction can stay on your record for 15 years.

What is the cheapest car insurance in New York after a DUI?

The cheapest car insurance will depend on a number of factors such as your overall driving record and history, your age, gender, credit score, and more. Each car insurance follows a unique set of rules and policy guidelines for underwriting.

Can I still be insured after a DUI?

Your ability to obtain car insurance after a DUI depends on various factors such as the car insurance you apply to, your driving record and history, and the amount of risk you post to the insurance company. Car insurance providers like Progressive, USAA and Erie do offer car insurance in New York after a DUI, but the overall decision depends on other factors.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.