Auto Insurance Companies That Accept DUIs

It can feel like the end of the world when you’re facing a DUI. The last thing you want to worry about is your car insurance. You may only qualify for liability auto insurance, but you’ll need to make sure you have insurance if you want to drive again.

You’ll find that it’s harder to get affordable insurance, and it can be difficult to even find auto insurance companies that accept DUIs. DUIs – sometimes called DWIs (driving while intoxicated) – will increase your rates.

It’s not impossible to find car insurance for DUI offenders, though, but you’ll want to shop around for the best prices. If you’re ready to begin looking at quotes, enter your ZIP code into our free tool.

Which auto insurance companies accept DUI?

The good news is that most insurance companies will work with DUIs. While there are a few car insurance companies that don’t accept DUIs, whether or not a company will insure you depends on your driving record.

State Farm, Erie, and Progressive have cheap auto insurance for drivers with DUIs.

Those aren’t your only options, however, and there might be more affordable car insurance companies that accept DUIs that are local to your area. Comparison shop online to find the most affordable company for you.

You’ll face lower rate increases for your first DUI vs. your second or third. The nature of your DUI is important, too. An insurance company would be less harsh on you if you were pulled over than if you caused an accident.

Insurance rates vary based on your driving record and the state you live in, so it’s difficult to say which company will offer you the most affordable insurance.

What happens to your car insurance after a DUI?

Your driving record is just one of many factors an insurance company considers when deciding how much it will cost to insure you.

When you throw a DUI into the mix, the rate you pay will undoubtedly increase, and you might even lose the insurance coverage you have.

In general, the average insurance rates for a person with a single DUI is $1,465 per year, which is about double what a person with a clean record pays:

Depending on the state and company, insurance rates go up by between 7% and 278%.

What happens after a DUI? Your license will be suspended for a period of time, depending on the state.

For example, in Arizona, first-time DUI offenders face at least ten days in jail, a fine of at least $1,250, and the installation of an alcohol screening device on their vehicle.

If your license is suspended, you may be able to apply for a hardship or restricted license. This would allow you to drive to work, school, or substance treatment.

Car insurance rates with auto insurance companies that accept DUIs will be higher than average until the DUI clears from your driving record.

That length of time depends on your state. Texas, for example, keeps it on your record for life, while other states like New York drop it after 15 years.

Of course, if you have additional DUIs, your insurance rates will keep rising, and some companies might revoke your insurance entirely.

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How do I buy auto insurance after a DUI?

You can do a few things that will help you regain your insurance coverage or find a more affordable policy:

1. Shop around: Even if you don’t lose your insurance, it may no longer be the most affordable company for high-risk drivers. Compare auto insurance quotes from multiple companies to see if you can save money elsewhere.
2. Use discounts: Just because you have a DUI doesn’t mean you won’t be eligible for discounts. Check for things like loyalty, bundle, and student discounts.
3. Keep looking: If you don’t find anything right away, it doesn’t mean those quotes are permanent. Keep checking to see if you can find anything better.

What do I do if I’m denied auto insurance for a DUI?

Unfortunately, there are times when you just can’t get approved for insurance. This could be for several reasons, but it’s usually because a company considers you too high of a risk to insure.

Without insurance, you can’t legally drive. Without driving, it would be challenging to get to work, school, court-ordered alcohol or substance counseling, and any other responsibility. 

Depending on your state, you might have to file an SR-22 (or similar) form. An SR-22 form proves to the state that you’ve purchased the minimum amount of insurance required for you to drive legally.

If you need to turn in an SR-22, you’ll be notified by either the judge presiding over your case or the DMV.

If you don’t own a vehicle, consider getting non-owners insurance. Non-owner’s insurance gives you the ability to drive a vehicle that doesn’t belong to you.

All 50 states make it possible to get the coverage you need to legally drive. If you’re denied by insurance companies and you have nowhere else to turn, you can apply for your state’s last-resort program.

A last-resort program offers you the minimum coverage you need to drive legally. This program is appropriately named – you only want to turn here as a last resort because this coverage is usually much more expensive.

How to Find Affordable Quotes for Auto Insurance Companies That Accept DUIs

Getting a DUI can be stressful but figuring out what insurance companies accept DUIs doesn’t have to be a challenge. With a bit of shopping, you can find the right auto insurance company that accepts DUIs and get your life back to normal.

Finding auto insurance companies that accept DUIs can leave you feeling frustrated, but you don’t have to do it alone. Enter your ZIP code below to get started looking at quotes today for free.