Finding Car Insurance for a Minor with a DUI

Car Insurance for a Minor with a DUI is expensive and hard to find since teenagers are already high-risk drivers. The average car insurance rates for a 17-year-old with a DUI are $589.67/mo.

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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 28, 2020

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Here's what you need to know...

  • When compared to other drivers, young drivers under a certain age are much more likely to be involved in a serious accident
  • Finding cheap car insurance is hard with a minor, and it’s even harder if they have a DUI on their record
  • A minor with a DUI faces double jeopardy for being classified as a high-risk driver
  • Car insurance rates may double in price for minors with DUIs
  • The average car insurance rates for a 17-year-old with 1 DUI are $589.67/mo or $7,076.06/yr

Young drivers are automatically deemed to be high risk and thus pay higher than usual premiums.

Finding car insurance coverage for a high-risk teenager is certainly possible although not always easy.

Some auto insurance companies will flat out decline a minor with a DUI while others will accept the minor for coverage but at increased rates.

Not all companies handle DUI and DWI with minors the same so make sure to compare quotes from many different companies.

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The Ramifications of a DUI For a Minor

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When a minor is arrested on a charge of DUI, it can change a lot of things in regards to their driving. Even if they do not already have a driver’s license, it will be noted on their driving record. This could delay their eligibility for a driver’s license.

For those with a beginner’s license or a regular license, it usually means revocation of it. When they become eligible for a license again, they will be deemed high risk and will pay heavily for car insurance.

Many states require that a DUI convicted motorist have SR-22 liability insurance for a period of time following the incident. This means that the driver must have a certificate proving financial responsibility to the department of motor vehicles in the state in which he or she resides.

If a minor driver with a DUI offense does not own a vehicle, he must still carry a non-owner SR-22 insurance policy.

Check the requirements for your state by contacting the state insurance division or the department of motor vehicles before seeking insurance coverage for a minor with a DUI conviction.

Additionally, most insurance companies will be able to let you know of the SR-22 requirements in your state of residence.

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Finding Companies that Offer High-Risk Insurance for Teens

You will be relieved to know that there are indeed companies out there which will be willing to insurance the minor with a DUI on his or her record. However, such companies will also charge you quite a hefty premium in order to offset the risk they are undertaking.

There are also many companies out there who will flat out refuse to cover such a driver. Therefore, you may have to search a little harder than usual to find one to provide the coverage needed.

The quickest and easiest way to find companies who will indeed provide the insurance that you are seeking is to use an online quote tool.

The tool will get you the quotes you need from companies that know the situation up front and will automatically exclude quotes from those who do not offer such coverage.

In the case of being unable to locate an insurer this way, you will need to contact the insurance department in your state, which may have a high-risk group available to help you.

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Tips to Keep the Cost Down

If you are seeking car insurance for a minor with a record of DUI, expect to pay thousands of dollars for liability insurance alone.

One of the best ways to keep the overall cost of insurance down is to invest in an older car for that driver to use.

Lower valued cars such as these do not need comprehensive and collision insurance coverage which is an added expense.

Other tips to help you save money on car insurance for minors with a DUI are as follows:

  1. Make sure that he or she takes a driver training course. Often insurers will give a discount on prices based on the completion of such courses.
  2. Good student discounts are also common with many insurers. Encourage your minor driver to strive for As and Bs in high school or college in order to be eligible.
  3. When possible, opt to pay for the insurance policy in full up front if it gives you a discount. Many companies will give you a break on your premium for doing so, but be sure to check it out first.
  4. The top way to make sure that your car insurance cost is as low as possible is by shopping around carefully and extensively to make sure that you have the best price possible.

There are many insurers out there who simply don’t want to insure high-risk drivers.

For this reason, you definitely don’t want to accept the first price you receive. Compare as many quotes as possible before making your decision.

DUI Auto Insurance Quotes for Minors

An easy way to get multiple car insurance quotes is by using our online quote tool. The tool will provide quick and easy access to car insurance quotes from a variety of insurers serving your area.

The results are even provided in an easy to compare format, making the whole process much easier for you.

Use our car insurance comparison quote tool to find affordable car insurance for a minor with a DUI today!

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Average Monthly Car Insurance Rates by State