It can be difficult to get over a DUI charge, particularly when it comes to obtaining the cheapest car insurance. Insurance prices typically rise after a conviction for driving under the influence (DUI) of drugs or alcohol. If you are found guilty of operating a vehicle while intoxicated (OWI) or driving while intoxicated (DWI), the same applies.
However, you can locate the cheapest DUI car insurance for your requirements by comparing quotes from several companies. This article focuses on DUIs, as they may apply to all three types of impaired driving infractions, depending on the state prosecuting them.
Cheapest Car Insurance after a DUI
Getting a driving under the influence (DUI) conviction is a serious offense. Your monthly cost for auto insurance may go up by several hundred dollars. In addition, you can be hit with penalties, jail time, or have your driving rights severely restricted or canceled.
The top car insurance providers for drivers with a DUI record offer the cheapest yearly rates and other alternatives. The policy offers multiple payment options, potential savings, and the option to file an SR-22 form on your behalf.
Erie
If you live in a state where Erie is authorized to provide auto insurance, it’s a fantastic DUI insurance provider. After a DUI, full coverage insurance from Erie typically costs $181 per month. That is $121 less a month than the average for the country. Additionally, Erie has been ranked third-highest in J.D. Power’s claims satisfaction survey for its exceptional customer service.
This indicates that following an accident, Erie consumers are generally satisfied with their experience. Customers in Erie can also add useful coverage options to their auto insurance policy to personalize it. This covers both new or improved automobile replacement and roadside assistance. Furthermore, it provides gap insurance, which is beneficial if you lease or have a car loan.
USAA
USAA is renowned for offering some of the lowest average prices for a range of consumers with varying coverage needs. USAA’s yearly rate for drivers with a prior DUI conviction is over $700 lower than the national average, according to statistics. Additionally, a survey conducted among top auto insurance providers’ policyholders revealed that the organization provides exceptional customer service.
In terms of client loyalty, it also performed better than any other insurer that we looked at. Individuals convicted of DUI need to negotiate with their insurance company to change their policy or file an SR-22.
State Farm
State Farm, the largest US auto insurance, provides the most reasonable and well-insured auto policy for DUI drivers. This carrier provides reasonable DUI premiums and good service to drivers, resulting in above-average customer satisfaction rates. Furthermore, drivers can obtain DUI insurance for an average annual cost of $1,231.
To further minimize premium rates, State Farm offers consumers easily qualified reductions, such as merging and insuring multiple autos. The organization, which has 19,000 local agents in 48 states and Washington, D.C., provides a handy option for a diverse spectrum of clients countrywide. However, State Farm does not provide essential coverage for DUI drivers, such as gap insurance, new car replacement, and deductible modification.
Progressive
For drivers with a history of DUIs, Progressive offers some of the best average prices. It provides non-owner insurance as well as SR-22 insurance filing, which is crucial for some drivers with a DUI record. Additionally, it provides non-owner auto insurance with a usage-based program (Snapshot) for drivers, which includes savings based on driving scores, accident forgiveness, and a deductible choice.
However, the company obtained an average score for its collision repair claims process and does not provide pay-per-mile vehicle insurance policies. Moreover, the average annual rate for drivers with a DUI is $2,776, with a low complaint level.
American Family
American Family provides a broad choice of standard and specialty auto insurance coverage to suit your needs. Its extensive list of savings can also help you save money. Despite its affordable rates, American Family stands out for its diverse product offerings and high levels of customer satisfaction.
The insurer provides below-average prices for DUI drivers, low consumer complaints, and a diverse selection of coverage alternatives, including gap insurance and a disappearing deductible. However, only 19 states offer inexpensive care for young people, seniors, and teenagers on their parents’ policies. Furthermore, the average cost of a DUI following a DUI is $2,983, with relatively few customer complaints.
Travelers
Travelers offer complete coverage to new automobile owners. Additionally, Travelers’ Premier New Car Replacement coverage offers up to five years of ownership replacement for stolen or totaled vehicles in accidents. Moreover, only the first two or three years of this coverage are provided by other insurance companies.
The average annual car insurance premium for travelers was $2,610, which is lower than the group average of $3,363, making it an excellent choice for first-time drivers. However, Travelers scored lower than average for total customer satisfaction in seven out of the eight regions that were included in J.D.
Auto-Owners
Auto-Owners Insurance stands out for its extensive optional coverage options, efficient claims process, and low number of complaints. Additionally, they assist in overcoming the comparatively high rates of drivers with DUIs. Auto owners provide accident forgiveness, a diminishing deductible, non-owners insurance, gap insurance, and new car replacement coverage.
Moreover, users can potentially lower their insurance rates through TrueRide. However, the company does not provide SR-22 insurance filings for drivers who require it following a DUI and has higher average prices than top competitors. Furthermore, drivers with a DUI have an average yearly rate of $3,363 and a low complaint level.
Geico
Geico offers a premium slightly lower than the national average for DUI drivers, but it’s worth considering if you have numerous policies with a DUI. It provides reasonable insurance choices for people of all ages and driving records, helping clients save money on their necessities.
In addition, DriveEasy offers lower-than-average rates to drivers who are skilled, young, and have never been in an accident or received a speeding ticket. No, ridesharing, gap insurance, and new car replacement coverage are not offered, even though the average DUI rate is marginally lower than the national average. Customer complaints are common, and the average rate after a DUI is $3,451.
Final Thoughts
To get the cheapest car insurance after a DUI, compare prices from various companies and take advantage of savings such as combining coverage, adding additional cars, and paying in full. To get the best deal, compare prices and select the insurance with the lowest total cost.