💰 The Financial Impact
A DUI is one of the most expensive insurance events possible:
Average rate BEFORE DUI
$2,638/year
Average rate AFTER DUI
$5,500+/year
That's an average increase of 80-200%, lasting 3-7 years depending on your state.
Best Insurers for DUI Drivers
| Company | Avg. Post-DUI Rate | Notes |
|---|---|---|
| Progressive | $3,950/yr | Best rates for DUI drivers |
| GEICO | $4,800/yr | May drop you after DUI |
| State Farm | $5,200/yr | Keeps most DUI customers |
| The General | $5,800/yr | Specializes in high-risk |
Progressive consistently offers the best rates for DUI drivers. If your current insurer drops you, Progressive should be your first call.
What Happens After a DUI
-
1
Your insurer may drop you
Some insurers (like GEICO) may non-renew your policy after a DUI. Others (like State Farm) typically keep you.
-
2
You'll need an SR-22
Most states require SR-22 proof of insurance for 3-5 years after a DUI. Your insurer files this with the DMV.
-
3
Rates increase dramatically
Expect 80-200% increase. This lasts 3-7 years depending on your state's lookback period.
-
4
Rates eventually normalize
After the lookback period with no new incidents, rates return closer to normal.
How to Save Money After a DUI
🔍 Shop Aggressively
Rate differences are huge for DUI drivers. Get 5+ quotes—you could save thousands.
📊 Use Telematics
Progressive's Snapshot can prove you're driving safely now, potentially lowering rates.
🎓 Take DUI School
Some states require this anyway, and it may qualify for discounts.
⏳ Keep Record Clean
Any new violations extend the high-rate period. Drive perfectly.
The Bottom Line
A DUI will cost you thousands in extra premiums for 3-7 years. Progressive offers the best rates for DUI drivers. Don't let your coverage lapse (SR-22 requirements mean instant license suspension). Shop aggressively, use telematics to prove you've changed, and maintain a perfect record going forward.
SR-22 Insurance Guide →