Cheapest Car Insurance After a DUI (2026)
A DUI conviction can double — or even triple — your car insurance premium.
However, not all insurers price DUI drivers the same way. Some specialize in high-risk underwriting and may offer more competitive rates.
Comparing quotes is critical after a DUI.
Enter your ZIP code to compare DUI insurance rates from providers in your area.
Quick Answer: Average Cost After a DUI
2026 National Averages
Coverage | Clean Record | After DUI
Full Coverage | ~$2,200 | $4,500–$6,500
Minimum Coverage | ~$1,200 | $2,500–$3,800
Who Pays the Most?
Multiple DUI convictions
Young drivers under 25
Drivers with prior accidents
Urban ZIP codes
Who Pays Less?
First-time offenders
Drivers completing state programs
Those with continuous prior coverage
Why Rates Increase After a DUI
A DUI signals increased risk of severe claims. Insurers adjust:
Liability premiums
Collision premiums
Comprehensive rates
Policy eligibility
Some standard carriers may non-renew policies after conviction.
SR-22 Requirements
Many states require an SR-22 filing after a DUI. An SR-22:
Is not insurance
Is a certificate proving minimum coverage
Is filed by your insurer with the state
Drivers needing an SR-22 should compare providers that specialize in high-risk policies.
What Affects DUI Insurance Rates?
Time since conviction
Number of offenses
State regulations
Coverage limits
Credit score (in applicable states)
Vehicle type
Rates often decrease after 3–5 years without additional violations.
How to Get the Cheapest Rate After a DUI
Compare at least 5 providers
Increase deductibles
Complete DUI education programs
Maintain continuous coverage
Avoid additional violations
Compare high-risk insurance options available in your ZIP code.
How AffordAPolicy Helps
AffordAPolicy allows drivers to:
Compare multiple high-risk insurers
Review coverage options
Understand SR-22 requirements
Explore policy limits side-by-side
We are not an insurance carrier. We help drivers explore available options in their area.
FAQs: Car Insurance After a DUI
How long does a DUI affect insurance?
Typically 3–10 years, depending on the state.
Can I switch insurance companies after a DUI?
Yes. Many drivers shop around at renewal to find better pricing.
Is minimum coverage enough after a DUI?
Minimum coverage meets legal requirements but may not provide sufficient protection.
Will my insurer drop me?
Some insurers non-renew policies after conviction.
Does an SR-22 increase cost?
The filing itself is inexpensive, but the DUI classification increases premiums.
Compare DUI Insurance Rates Today
After a DUI, pricing varies dramatically between insurers. Comparing quotes can help identify competitive options.
Enter your ZIP code to explore available DUI insurance providers.
We may receive compensation from partners when users request quotes. This does not impact our editorial recommendations.