Car Insurance Quotes For DUI Drivers

Car Insurance Quotes For DUI Drivers

*Average Car Insurance Quotes for DUI Drivers

Finding a DUI (Driving Under the Influence) conviction can greatly influence your car insurance, but it doesn’t mean you are out of options. If you have been convicted of a DUI, it is good to understand how it affects your coverage and what steps you can take to find affordable car insurance. Many insurance providers view DUI convictions as high-risk behaviour, which can lead to higher premiums, policy cancellations, or even denied coverage. However, not all car insurance companies treat DUI drivers the same way. Some insurers are more lenient and specialise in offering coverage for high-risk drivers, including those with DUIs. These companies may still provide competitive rates, especially if you have taken steps to improve your driving record over time.

Others, however, may significantly increase your rates or choose not to renew your policy once your current term ends. This wide variation makes it essential to shop around and compare multiple quotes to find the best option for your specific situation. After a DUI, your insurance company may ask you to file an SR-22 form. This isn’t insurance itself, it is just proof that you have the needed amount of car insurance. Still, needing an SR-22 can make insurers see you as a higher-risk driver. Because of this, your insurance rates may go up, sometimes by a lot. The good news is, there are still ways to save. If you keep a good driving record after the DUI, take a defensive driving course, or drive less, you might qualify for lower rates over time.

Some insurance companies also give discounts if you use a telematics device that tracks and rewards safe driving habits. This guide gives much information about what to expect when shopping for car insurance quotes with a DUI on your record. We will explore which insurers may provide more flexible terms, how to improve your chances of getting a better rate, and what coverage options you might need to consider. If you have had a DUI, acquiring the right car insurance is not impossible; it just takes more effort and research. With the right approach, you can still find coverage that suits your budget and keeps you protected on the road.

READ MORE: Attorney Cost For DUI

DUI Drivers’ Car Insurance Quotes

After a DUI, car insurance rates can rise significantly, typically between $1,800 and $4,000 per year. That’s around $800 or more added to your premium, depending on factors like your state, age, vehicle type, and driving history. For example, in Florida, where basic coverage is about $1,100, your rate might jump to $1,900. In states with lower minimums, like Maine, it could be closer to $1,100. Younger drivers, expensive cars, or a history of traffic violations can all increase your insurance costs even further after a DUI.

How Long Does a DUI Influence Your Insurance?


A DUI can influence your insurance for several years, based on your state’s laws. It usually stays on your driving record and, in some cases, your criminal record too. First-time offences are usually misdemeanours, but more serious cases, like a high BAC or reckless driving, can lead to felony charges. You may also need to share this information with future employers. Overall, a DUI is a serious matter and can have a lasting impact on your insurance rates and driving history.

READ MORE: DUI Defense Attorney Cost

Does Insurance Cover DUI Accidents?


Yes, in most cases, insurance will still cover a DUI accident, up to your policy limits and after your deductible. However, some policies may have exclusions for accidents caused by drunk driving. It is good to review your policy so you know exactly what is covered.

How to Lower Your Car Insurance Premium After a DUI


Here are simple steps to help reduce your insurance costs after a DUI:

• Shop early: Not all insurers cover DUIs, so begin your search as soon as possible.
•  Look for discounts:  Ask about bundling, multi-vehicle, pay-in-full, good student, or paperless billing discounts.
•  Reduce your coverage: Consider higher deductibles or basic coverage to reduce costs.
• Compare quotes: Get quotes from at least three companies to find the best rate.
•  Take DUI or driving courses: These may help lower your premium.
•  Drive safely: A good record over time can reduce your rate.
•  Shop before you renew: Compare rates every 6–12 months as your record improves.
•  Speak to an agent: They can help find coverage for high-risk drivers.

Acquiring car insurance after a DUI can be stressful and more expensive, but it is still possible to find coverage. By comparing quotes, looking for discounts, and maintaining safe driving habits, you can work toward lowering your rates over time. Patience and smart choices can help you get back on track. Guess this article has been helpful. Share your thoughts and suggestions in the comment section below. Click here for more information.

OTHER SEARCHES: