Compare Best Car Insurance Companies That Accept DUI [2023]

There’s no getting around the fact that having a DUI on your record will drive up your car insurance rates. That said, just how much more you could end up paying varies greatly from one provider to the next.

With this guide, we’ll help you compare car insurance companies, so you can find the most affordable car insurance companies that accept a DUI on your driving record.

We’ll also take a look at some other common questions about buying car insurance after a DUI, including how long a DUI affects your rates and when you need to inform your insurance provider about a DUI charge.

After you’ve gotten a handle on how to buy insurance after a DUI, try using our free quote tool to compare car insurance quotes from companies that accept a DUI.

What car insurance companies accept a DUI?

While your rates could be many times higher than those of someone of a similar background with a clean driving record, most major car insurance companies will insure you with a DUI.

That said, there are cases where car insurance companies don’t accept a DUI, and this is even more likely if you have multiple DUIs or other risk factors on your record.

If you find yourself in a situation where you’re unable to obtain car insurance from a large provider like Geico or State Farm, the Insurance Information Institute recommends taking one of two immediate options:

• Join a state assigned risk pool
• Look for an insurance company for “high risk” drivers

State assigned risk pools are expensive and provide minimal coverage, but they are guaranteed to insure you regardless of your driving history. Contact a local insurance agent for more information on your state’s risk pool or equivalent program.

Likewise, insurance companies for “high risk” drivers are generally more costly than mainstream options. However, if you need more comprehensive coverage than risk pools can provide, this may be your only option in the short term.

What are the most affordable car insurance companies that accept a DUI?

Depending on where you live, the most affordable car insurance option for drivers with DUIs may be a local insurance provider. Be sure to look into local insurance businesses alongside national options.

With the above in mind, we consider the four companies listed below to be the best options for most drivers with DUIs living in the United States:

• Progressive
• State Farm
• Esurance
• USAA

Progressive is an affordable option for drivers with a DUI for two main reasons. First, this insurer only raises rates by about 13% on average for drivers with a single DUI. Second, Progressive’s rates are on the lower end to begin with. If you’re looking at car insurance price alone, Progressive is the best option for many drivers with a DUI.

State Farm can be even less expensive than Progressive if you bundle home and auto policies as they offer a discount for customers who do so. State Farm’s DUI rate increase is also modest compared to most other car insurance providers. Additionally, many customers appreciate the option to meet agents in person which State Farm provides.

Esurance, which is owned by Allstate, is one of the less expensive options for those with DUIs because it is based primarily online. Although their DUI rate increase is greater than Progressive or State Farm’s by percentage, their low baseline rates make it so they’re still worth considering.

Although this last provider isn’t available to everyone, USAA is one of the most affordable car insurance companies that accept a DUI if you or an immediate family member has served in the military.

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How long does a DUI affect my insurance?

Exactly how long a DUI can affect your insurance depends on the state you live in. For example, a DUI in Arizona is removed from your driving record after five years, while in Florida a DUI remains on your record for a full seventy-five years.

Other states will never remove a DUI from your driving record, but that doesn’t mean insurance companies will always charge you increased rates. In general, insurers will look at the past 3 – 5 years, and if you haven’t had a DUI in that time, you may not see a rate increase.

Keep in mind that even though a DUI may be removed from your driving record (and thereby stop affecting your car insurance rates), it could remain on your criminal record.

How does company vehicle insurance with a DUI work?

As with personal car insurance, your commercial car insurance rates could go up after a DUI. Since insuring a company vehicle is often more expensive than purchasing personal insurance in the first place, this could mean a considerable increase in your transportation expenses.

If you drive a vehicle for business purposes and you have a DUI on your record, consider purchasing a safer vehicle and/or taking a state-approved defensive driving course to reduce your car insurance costs.

Is not telling my insurance provider about DUI an option?

This is a question with an answer that tends to change depending on the exact circumstances of a particular DUI. In general, if you get into an accident and have to make a claim, expect a claims adjuster to ask you about the accident. In this situation, always be honest about the DUI.

On the other hand, if you’re pulled over while under the influence and are charged with a non-accident DUI, your insurance provider may not be notified depending on the state.

If you lived in Utah, for example, your insurer would need to request a copy of your driving record in order to find out about a DUI that wasn’t related to an accident. Depending on how far off your policy renewal date is, your insurer may not increase your rates based on your DUI for a number of months.

Of course, this shouldn’t be viewed as a foolproof DUI insurance trick since your state may require you to contact your insurance provider about any DUI charge—and it’s always possible that an insurer will demand additional payment for any months where you had a DUI on your record but neglected to notify them about it.

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What to do Before You Buy Car Insurance from Companies that Accept a DUI

Let’s recap: Before you decide where to buy car insurance from if you have a DUI, see what local options are available to you. For many drivers, Progressive, State Farm, and Esurance will be the most affordable car insurance around. If you or an immediate family member is a retired or active-duty veteran, USAA is also a great choice.

If you have multiple DUIs and are unable to purchase insurance from any of the companies listed above, decide if a state assigned risk pool or a “high risk” driver insurance policy is better for you.

And regardless of how your driving record looks right now, it probably wouldn’t hurt to purchase a safe vehicle and take a defensive driving course to lower your rates for both personal and commercial insurance.

To help you start your search for insurance companies that people with DUIs can afford, use our free quote tool to compare car insurance quotes from companies that accept a DUI.

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