If you get ticketed for a DUI, your car insurance premium can go up tremendously. In fact, receiving a DUI will affect your auto insurance rates for at least the next three to five years. Auto insurance companies tend to consider people with a DUI on their driving record, especially a recent DUI, to be high risk drivers. This makes it tougher for you to get auto insurance and ensures that you will pay more for it than people with a clean driving record. You may be required to obtain SR-22 certification which not all auto insurance companies offer. Furthermore, many of the auto insurance companies that offers SR-22 certification have questionable reputations or high rates. Therefore, if you have a DUI ticket you may be looking for the best cheap auto insurance that you can find.
The good news is that you can find some affordable car insurance after a DUI. Many larger auto insurance companies are still willing to insure a driver with a DUI. Although their rates may be higher than they would be if you did not have a DUI, they are still reasonable.
- Winners for Best Cheap Insurance for Drivers with DUI tickets
- Who Offers the Best Rates for Drivers with DUI?
- What If You are Considered High-Risk Driver?
- Tips for Obtaining the Cheapest Car Insurance Rates after a DUI
Winners For Best Cheap Insurance For Drivers with a DUI Ticket:
- American Family
Winner For Best Cheap Insurance For Drivers with Multiple DUIs:
- The General
Who Offers the Best Rates for Drivers with DUI?
Here is a list of the average annual premiums after a DUI for major auto insurance companies.
|Insurer||Avg. Annual Rates after DUI||Avg. Monthly Rates after DUI|
|Auto Club (AAA)||$5,461||$455|
*It is important to note that the premiums above do not take into account your age, location, overall driving record, coverage options, vehicle type, gender, marital status, credit score, and other factors that could affect your car insurance rate. Therefore, the average annual rates for a person who has a DUI listed above may not be the rates that you will receive.
As you can see Erie, American Family, Mercury, and USAA offer the best rates for a person who has received a DUI. USAA, however, only provides auto insurance to its members who have to be current or former military service members or their families.
Erie offers car insurance in twelve states Kentucky, Illinois, Indiana, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin as well as Washington D.C. In these states, Erie’s prices tend to be lower than other insurance companies. It has one of the highest levels of customer satisfaction in the industry and offers a wide array of coverage options and discounts to its customers. Because of its prices and coverage options, Erie is an excellent choice for people who reside in the states it serves.
American Family only provides auto insurance in 19 states; however, it is the tenth largest auto insurance company in the United States, and it is a very solid company financially. American Family serves Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin. If you live in one of these states, you may want to consider American Family auto insurance if you have a DUI.
Mercury Auto Insurance is also a good choice for people looking to save money on their auto insurance after a DUI. This insurance is available in 11 states which include New York, New Jersey, Virginia, Georgia, Florida, Illinois, Oklahoma, Texas, Arizona, Nevada, and California. The company has superior financial strength and its overall rates tend to be lower than that of other auto insurance companies.
Progressive and Geico are two other large national companies with good reputations that provide auto insurance to someone who has a DUI on their driving record at a good rate. In fact, Progressive is known to offer pretty good rates to people with slight blemishes on their record. If you have a DUI on your record and you do not qualify for USAA insurance and you are not located in a state that American Family or Mercury serves, you should consider one of these two companies for auto insurance.
What If You Are Classified As A High Risk Driver?
If you had a less than perfect driving record before receiving a DUI, you may have trouble obtaining auto insurance from many of these insurance companies. You may even be placed in the high-risk driver category and required to get SR-22 certification. An SR-22 certification is a form that your auto insurance company fills out and files with the state to serve as proof that you have at least the minimum required auto insurance.
The good news is that there are a number of reputable auto insurance companies out there that are willing to file an SR-22 certification on your behalf and provide you with auto insurance. Auto insurance companies that have SR-22 insurance include 21st Century, The General, Infinity Insurance, Esurance, Liberty Mutual, Progressive, Farmers, Nationwide, AllState and State Farm.
The General is known to be one of the best auto insurance companies for people with more than one DUI on their driving record. The General specializes in insuring high-risk drivers. Drivers that have trouble getting insurance from another auto insurance company can often obtain insurance through The General. It is important to note, however, that The General has been accused of imploring some shady business practices such as including some hidden fees.
Tips For Obtaining The Cheapest Car Insurance Rates After A DUI
You may be wondering whether you need to look for car insurance after receiving a DUI if you already have a current auto insurance policy in place. The answer is yes. Not only can your auto insurance company raise your rates significantly after a DUI, there is a chance that your insurance company could cancel your policy altogether. Auto insurance is easier to obtain and a lot cheaper if you have a current insurance policy and switch companies than it is if your insurance is cancelled. If this happens, not having continuous car insurance can affect your auto insurance rates in addition to the DUI. Therefore, you should begin looking for auto insurance as soon as possible after receiving a DUI.
Furthermore, even though you will be paying higher rates immediately following receiving a DUI and for a few years after that, realize that your auto insurance rates should begin to go back to normal after time passes. Three to five years after you receive a DUI, your rates should return to the rate you were paying pre-DUI. Thus, you should start looking into cheapest car insurance rates and find out if another auto insurance company will give you a better rate than your current one after three years and again after five years.
A Final Word
If you get a DUI, you may find it more difficult to get a good rate on car insurance. In fact, you should expect to pay more for auto insurance for the next three to five years after receiving a DUI. This is especially true if you find yourself classified as a high-risk driver that requires SR-22 insurance. Several auto insurance companies are willing to provide auto insurance to people with a DUI on their driving record at good rates. These auto insurance companies include USAA, Mercury, American Family, Progressive and Geico. For people who have multiple DUIs and have trouble obtaining car insurance, they may want to try The General.