Best Auto Insurance for Drivers With a DUI

Mistakes, like car accidents or driving under the influence, can happen when you’re behind the wheel. A DUI is no minor issue, however. Getting a DUI can lead to serious repercussions, including hefty fines and expensive DUI car insurance. In fact, just one DUI offense raises rates by an average of $1,795.99 per year, or about $149.66 a month.

If you’ve been caught driving under the influence, you may be looking for DUI insurance coverage. But not all DUI car insurance is created equal. As such, it’s important to understand what your insurance options are. To help you get started, here’s what you should know about car insurance after a DUI, along with the best auto insurance options for those drivers.

Is there a special kind of insurance for people with DUIs?

Insurers don’t typically offer a special kind of insurance for people with DUIs, nor are there specific DUI car insurance policies. In most cases, you will get access to the same types of minimum and full-coverage insurance options as drivers without drunk driving charges on their records. You’ll just pay more for your coverage.

That’s because the amount you pay for insurance depends largely on how risky you look to insurers, and having just one DUI on your record puts you in the high-risk car insurance category. 

What are the cheapest DUI insurance providers around?

While it can be more expensive to get car insurance after a DUI, there are ways to get affordable coverage. In fact, there are certain insurance providers that offer the cheapest DUI insurance options.

If you have a DUI and are looking for affordable insurance providers, State Farm, Progressive, and American Family offer the cheapest car insurance quotes for drunk drivers or drivers with DUIs on their records. Let’s take a closer look at each:

• Out of the three, State Farm has the cheapest average DUI insurance rates, with an average cost of $155 per month for minimum liability-only coverage and $303 per month for full-coverage insurance. 
• Progressive is another cheap DUI insurance option, with an average monthly rate of $169 per month for minimum liability-only coverage and $331 for full coverage insurance.
• Coverage with American Family has an average rate of $184 per month for minimum coverage and $361 per month for full coverage auto insurance. 

It’s important to get persona quotes, as every company is different for every driver.

How does a DUI impact your insurance?

The main impact a DUI has on your insurance is that it makes the cost of your coverage more expensive. On average, a driver with a DUI or DWI will pay about 36% more for auto insurance coverage, which can add significantly to the cost of insuring your vehicle. 

For example, drivers with clean driving records in Michigan pay, on average, about $756 per month for auto insurance. On the other hand, drivers with one DUI in this state pay an average of $2,260 per month for car insurance — an increase of 199% per month.

How long does a DUI stay on your record and affect your insurance cost? A DUI will impact your insurance for at least three to five years, but could be as long as seven years or more.

What happens when you get a DUI?

If you are convicted of a DUI, you were caught behind the wheel of a vehicle while under the influence of either drugs or alcohol. A blood alcohol content (BAC) of 0.08% or higher will get you a DUI in all states. But in some states, like Utah, the BAC threshold is even lower. 

The penalties for a DUI conviction vary by state but can range from fines to license suspension or even jail time. 

What is SR-22 insurance?

In some cases, you may be required to file an SR-22 with your state after you are convicted of a DUI. An SR-22 is not a type of DUI insurance, however. It’s simply a form that proves you are meeting your state’s minimum auto liability insurance requirements.

Alternately, this form may be known as an FR-44 or an SR-50 in some areas.

There are Good Coverage Options, Even With a DUI

Obtaining auto insurance with a DUI can be expensive and frustrating, but the good news is that you have options. If you’re looking for the most affordable policies, start by shopping around for quotes and compare your options to find the best DUI insurance coverage.

Case Study 1: Minimum Liability Coverage

John recently got a DUI and is now in need of auto insurance. He is on a tight budget and wants to find the most affordable coverage option that meets the legal requirements. Best Auto Insurance for Drivers With a DUI understands John’s situation and recommends minimum liability coverage.

They explain to John that this type of coverage provides protection for damages and injuries caused to others in an accident that is his fault. By opting for minimum liability coverage, John can fulfill the legal obligations while keeping his insurance costs relatively low.

Best Auto Insurance for Drivers With a DUI helps John find the best rates for minimum liability coverage from various insurance providers, ensuring he gets the most affordable option for his situation.

Case Study 2: Full Coverage Insurance

Sarah, who has a DUI on her record, is looking for comprehensive coverage that not only meets the legal requirements but also protects her own vehicle. She wants to have peace of mind knowing that her car is covered for damages caused by accidents, theft, or other non-collision incidents.

Best Auto Insurance for Drivers With a DUI recommends Sarah to consider full coverage insurance. They explain that full coverage includes both liability coverage and comprehensive and collision coverage.

Best Auto Insurance for Drivers With a DUI helps Sarah compare quotes from different insurance providers, allowing her to find the best rates for full coverage that suits her needs and budget.

Case Study 3: SR-22 Insurance

Michael has recently been convicted of a DUI, and his state requires him to file an SR-22 form to reinstate his driver’s license. He needs to find an insurance provider that offers SR-22 insurance.

Best Auto Insurance for Drivers With a DUI understands Michael’s situation and helps him find insurance companies that specialize in providing coverage for high-risk drivers with SR-22 requirements.

They guide Michael through the process of obtaining an SR-22 form and help him compare quotes from different insurance providers to find the most affordable SR-22 insurance option. Best Auto Insurance for Drivers With a DUI ensures that Michael fulfills the legal requirements while obtaining the necessary coverage.

Case Study 4: Non-Standard Insurance

Emily has multiple DUI convictions on her record and is considered a high-risk driver. She has been denied coverage by several insurance companies due to her driving history. However, she still needs insurance to be able to drive legally. Best Auto Insurance for Drivers With a DUI specializes in helping drivers like Emily who have a challenging driving history.

They have connections with non-standard insurance providers that cater to high-risk drivers. Best Auto Insurance for Drivers With a DUI assists Emily in finding an insurance company that offers coverage for drivers with multiple DUIs. They work closely with Emily and the insurance provider to ensure she gets the necessary coverage at the best possible rates, despite her challenging driving history.