Cheap Car Insurance for Convicted Drivers (Even With a DUI)

Cheap car insurance for convicted drivers can be hard to find, with rates ranging from $292-$634/month for one DUI. Multiple violations may result in your policy being canceled.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 20, 2020

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Here's what you need to know...

  • If you have been convicted of a driving offense, time is your best ally
  • It’s always best to contact your car insurance company directly and let them know what happened
  • Depending on the company, your rates could increase anywhere from $292-$634/month for one DUI
  • You can count on an increased premium after a serious accident or moving violation

Can convicted criminals get car insurance? The short answer is – yes, but car insurance as a high-risk drivers who commit serious driving offenses can hard to find, and it can be expensive.

Even some of the top 10 car insurance companies are willing to provide cheap car insurance for convicted drivers, but car insurance premiums and coverage can vary based on the driving offense. Certain driving offenses are penalized more heavily than others, so it is important to know which types of driving offenses will be harder to insure at low rates.

If you are convicted or facing a conviction, there are several ways high-risk drivers can get cheap car insurance quotes. In this guide, we will cover how your convictions affect your ability to get car insurance, how your driving record can affect your car insurance rates, and how to find the cheapest high-risk car insurance.

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How to Find Affordable Car Insurance for Convicted Drivers

A convicted driver’s best ally is time. Some driving offenses are best dealt with by simply staying out of trouble for few years. Some easy ways to lower your car insurance rates are to wait or take defensive driving classes to drop points off your driver’s license. Car insurance for drivers with points on your license can be more expensive, even in the United Kingdom where cheap car insurance for convicted drivers with TT99 – or more than 12 points on their license – can be hard to find.

Points will automatically drop from your driving record after a number of months depending on the state you live in.

Point reductions are great. The fewer points on your driving record, the better. Many states use a point system to get drivers to not commit traffic violations. If you have too many points on your license, you can lose it. The fewer points on your driving record, the better it looks.

List of High-risk Car Insurance Companies

  • The General
  • Direct Auto
  • Titan Car Insurance
  • Dairyland Insurance
  • Geico Casualty
  • Infinity Insurance
  • SafeAuto
  • GAINSCO
  • Bristol West
  • Affirmative
  • Alliance United
  • United Automobile
  • Access

Can high-risk drivers remove convictions from their driving records?

Sometimes we have things on our driving records that we would like to get off. When you expunge a violation, you remove all police and court records from public access; it will be as though it never happened.

In order to get an expungement, you will have to be a first-time offender. You can’t file an expungement immediately after your conviction. During the time of your expungement petition, you can not have pending criminal charges.

How can I decrease my car insurance rates with a bad driving record?

High-risk drivers can work diligently and be proactive when it comes to improving their records. Here are a few ways to appeal to car insurance companies when you have a less-than-perfect driving record:

  • Take a Defensive Driving Course –  Taking a defensive driving course will definitely save you money, and in some jurisdictions, it can also remove points from your license.
  • Comparing Auto Quotes – Car Insurance companies that know you are shopping around may offer you a better deal.
  • Get a Joint Policy – Historically, good drivers often get car insurance bargains. If a member of your household has a decent driving record, adding them to your policy can save you money.

The best car insurance for a bad driving record will still be expensive, but rates will go down eventually. Some driving offenses are best dealt with simply by staying out of trouble for several years. Though certain offenses may remain on your driving record for several years, as time passes, they’ll drop away.

How do defensive driving courses reduce points on your license?

Defensive driving courses – or Point Insurance Reduction Program (PIRP) – are courses that help people reduce expenses related to their vehicles. A PIRP course can be taken online or in a classroom. Taking one of these courses can take four points off your driving record and reduce your insurance rates by 10 percent.

Below is an example of what will be covered in a PIRP course.

The classes can be anywhere between $15 and $100. The course time varies depending on what company your choice to take the course with; it can be anywhere from three to 45 days.

Which car insurance companies offer a defensive driving discount?

Below is a list of companies that give discounts for defensive driving.

  • Allstate
  • American Family Insurance
  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife
  • Nationwide
  • State Farm
  • Travelers
  • USAA

How large of a discount you will get can depend on your age, state, and driving record.

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Can you really find cheap car insurance with a DUI?

How much does insurance cost after a drunk driving ban, and how does a driving ban affect insurance? You can find cheap car insurance with a DUI after your driving privileges are restored if you know where to look. If you go with the first insurance company that gives you quotes, you might overpay for car insurance. Below are rates based on driving records in the United States.

Average Annual Rates by Driving Record
CompaniesClean RecordWith One AccidentWith one
speeding violation
With one DUI
USAA$1,933.68$2,516.24$2,193.25$3,506.03
Geico$2,145.96$3,192.77$2,645.43$4,875.87
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Nationwide$2,746.18$3,396.95$3,113.68$4,543.20
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
Progressive$3,393.09$4,777.04$4,002.28$3,969.65
Travelers$3,447.69$4,289.74$4,260.80$5,741.40
Farmers$3,460.60$4,518.73$4,079.01$4,718.75
Allstate$3,819.90$4,987.68$4,483.51$6,260.73
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
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When drivers have a DUI, their rates are a lot higher than drivers speeding tickets, or car accidents. You can often find cheap car insurance after an accident but DUIs are more tricky. Your rates will increase a lot; they can actually increase your rates for a DUI by 57.5 percent. Drivers with one DUI can pay twice as much as drivers with a clean record.

Car insurance for drivers with DG10 will often be similar to the car insurance rates with a DUI since many states regard intoxicated driving to include drinking as well as drug intoxication. If you are looking for car insurance for convicted drug drivers, you will likely pay twice as much as other drivers.

Can I get insurance with 12 points?

12 points is a lot in most states that use the points system. It will be hard to get insurance with that many points, but it’s not impossible. Keep reading as we will cover where to get insurance for even the most high-risk drivers.

6 Tips for Finding Cheap Insurance for Convicted Drivers

Finding car insurance for a convicted driver can be expensive, and you will want to lower the cost as much as you can. Keeping your driving record clean and avoiding more traffic violations can help you avoid higher car insurance rates.

You can do the following to find the most affordable high-risk car insurance:

  • Look for age-related discounts. There are a lot of car insurance companies that have discounts based on the driver’s age.
  • Get safety features. If you add airbags, anti-theft locks, and anti-lock brakes, it can reduce the cost.
  • Keep your mileage low. If you keep the mileage on your car low, you get a discount. Drivers who drive less are less likely to have an accident.
  • Bundle your car insurance with the same insurance company. Who has the cheapest high-risk car insurance? The best answer to that is to shop around and consider bundling for better discounts. By getting home and car insurance from the same company, you can get big discounts.
  • Get a membership with an accredited union or organization. Insurance companies offer special rates to some groups.
  • Drive an older car. The cheapest cars to insure for convicted drivers are often older models that require less to insure.

Although certain offenses may remain on your driving record for several years, as time passes, you will be better off. Getting basic car insurance policies with limited protection can save you money, but is not recommended.

Car owners with bad driving records don’t have to settle for paying exorbitant insurance rates. Defensive driver car insurance discount are often available with accredited car insurance companies, and you can find more affordable rates the longer you go without another conviction.

What car insurance companies cover high-risk drivers?

While you may still be able to get coverage with a standard insurance company, some convictions will require that you seek out specialty insurance. This is usually called non-standard insurance, but it’s really high-risk driver coverage. In some cases, even a non-standard company may turn you down.

Every state has its own program for drivers that can’t get coverage elsewhere. These are run by the Auto Insurance Service Plan Office (AIPSO) in most states.

To find the best high-risk car insurance rates, contact a car insurance agent in your area to see what kinds of discounts and promotions are available. You can also connect with car insurance companies and find a convicted driver insurance specialist in your area.

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Common Driving Offenses for Convicted Drivers

Most car insurance companies have specific regulations for how they handle the following driving offenses:

  • DUIHow does a DUI affect my car insurance? A DUI will increase your car insurance rates, and it may be very hard for you to get coverage.
  • Suspended License –  Car insurance companies will not even consider providing coverage to unlicensed adult drivers. Even if you have a suspended license, you may be able to go to your DMV and petition for a conditional license.
  • Too Many Moving Violations – A series of speeding tickets, red light tickets, and other moving offenses will lead to more than just points on your license. After your rates go up, your car insurance company can choose to drop coverage altogether.
  • Hit And RunHow will a hit-and-run affect car insurance rates? Usually, accidentally hitting a pedestrian or vehicle isn’t a serious offense, but if you flee the scene you can suffer the consequences for years. What can happen legally varies greatly, but you will not find many insurance companies offering coverage.

How long will a moving violation affect your car insurance?

Traffic convictions can last for a few years to a decade. Some convictions can last longer than others. If you had speeding convictions, it could disappear after three to five years. When it comes to DUIs, each state has a lookback period during which a second conviction will have more serious consequences.

Car insurance companies generally charge you for three years for a conviction or violation, regardless of how long it stays on your driving record. If you have more than one conviction in a three-year period, you can be charged for both.

Can convicted drivers check their driving records?

You can check your driving record by contacting your DMV and asking for a copy of it. Some states have a point system, where you get a point for every moving violation you’ve committed. When checking your driving record, you can see all your moving violations. Your non-moving violations will not be on your driving record and non-driving criminal activity.

Your offenses will stay on your record for at least three to five years. You can receive an unofficial copy online. You will have to pay a fee to receive your driving record. The cost will vary by state.

Car Insurance for Convicted Drivers

Even if you have a criminal record, you will need car insurance. Some states allow car insurance companies to access your information, including your driving record and criminal record, in order to determine how much of an insurance risk you are.

Some insurers will deny you insurance if you have a criminal record, but not all of them. Shop around with different car insurance companies in your state to find the best rates. Even the best high-risk car insurance will be more expensive than standard insurance, but over time your rates will go down.

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How did my insurer find out about my conviction?

Keeping a traffic conviction from your insurer is not a good idea. Your insurance company will find out about your criminal record if you don’t tell them because looking for violations is part of the underwriting process.

If your car insurance company sees you have a criminal record, they will adjust your rates accordingly.

Car insurance companies only care about certain violations. They are concerned with convictions that make you a high-risk driver. They will increase your rates as a result of moving violations and anything related to driving, with some exceptions. Parking tickets do not affect your rates. Most other criminal convictions don’t impact rates either. Shoplifting, for example, is unrelated to driving and thus wouldn’t impact rates.

Can my car insurance company cancel my policy because of a conviction?

Your car insurance company can decide not to renew your policy. However, if they don’t, they have to let you know in advance. You can also choose not to renew your policy and seek other insurers.

Car insurance companies can drop you for several reasons, and one of those can include your driving record. They can cancel your policy if you have your license revoked or suspended, but you can still find car insurance after disqualification or cancellation if you apply for a temporary license.

Can you drive without car insurance?

Driving without car insurance is risky. You should never drive while uninsured. Even if you don’t think you need it, most states require that you have it. To be able to drive, you will need to have your state’s legal minimum liability insurance.

Watch the video below to learn about the penalties of driving without car insurance.

It is illegal to drive without insurance, and there are not many options for temporary car insurance for convicted drivers in the United States. If you are caught driving without car insurance, you can have your license suspended and pay a pretty expensive fine. The fine can be anywhere from hundreds to thousands of dollars. Repeat convictions can result in a permanent loss of driving privileges.

Can canceled car insurance be reinstated?

Having your car insurance canceled can be a pain, but you can call your insurance company to find out if your policy can be reinstated. Reinstatement policies will vary by state and company rules. Your canceled policy can not be reinstated with another car insurance company. If you are not able to reinstate your policy, you will have to find new coverage.

What if I can’t afford car insurance?

Finding car insurance is still possible if your policy has been canceled. Be aware that some car insurance companies will not take you on for the same reason that your other insurance company canceled your policy.

You will have to check with different companies until you find one that suits your needs. Not every car insurance company will turn you down.

What is the cheapest full coverage car insurance?

USAA by a mile:

Who has the cheapest full coverage insurance?
CompaniesFull Coverage Average Annual Car Insurance Rates
USAA$2,667.92
American Family$3,416.40
Geico$3,429.14
State Farm$3,454.80
Nationwide$3,505.37
Progressive$4,350.96
Farmers$4,494.13
Travelers$4,619.07
Allstate$5,139.02
Liberty Mutual$6,356.04
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Who has the cheapest car insurance for seniors?

USAA and State Farm do:

Who has the cheapest car insurance for seniors? (Average Annual Car Insurance Rates)
CompanyMarried 60-Year Old FemaleMarried 60-Year Old Male
USAA$1,449.85$1,448.98
State Farm$1,873.89$1,873.89
Progressive$1,991.49$2,048.63
American Family$1,992.92$2,014.38
Travelers$2,051.98$2,074.41
Nationwide$2,130.26$2,214.62
Geico$2,247.06$2,283.45
Farmers$2,336.80$2,448.39
Allstate$2,913.37$2,990.64
Liberty Mutual$3,445.00$3,680.53
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Average Monthly Car Insurance Rates by State