Cheap Auto Insurance After a DUI in 2025

The cheapest auto insurance after a DUI comes from State Farm, Mercury, and Progressive, offering rates starting at $65 per month.

State Farm delivers top value with strong claims satisfaction, while Mercury provides budget-friendly premiums and solid standard protection.

Progressive stands out for rewarding safe driving recovery through its usage-based program.

10 Best Companies: Cheapest Auto Insurance After a DUI

These providers also offer defensive driving discounts up to 30% and bundling savings up to 25%, helping drivers lower costs after a DUI.

To find out if you can get cheapest car insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.

Comparing Auto Insurance Rates After a DUI

Auto insurance rates after a DUI can vary widely depending on the provider, coverage level, and driver profile. State Farm offers the cheapest minimum coverage options at $65 per month, followed by Mercury and Progressive.

These insurers consistently deliver cheap auto insurance with a DUI. State Farm stands out for pairing low rates with reliable claims satisfaction, while Mercury appeals to drivers focused on cost-effective minimum coverage.

Auto Insurance After a DUI: Monthly Rates by Coverage Level

When it comes to full coverage insurance after a DUI, State Farm again leads at $160 per month, with Mercury and Progressive close behind (Learn More: Liability vs. Full Coverage Auto Insurance).

These companies make it easier for high-risk drivers to secure comprehensive protection without overpaying. By comparison, premiums with Liberty Mutual and Allstate are significantly higher, highlighting the savings potential when comparing quotes after a DUI.

Having a DUI on your record will raise your auto insurance rates more than any other infraction, but State Farm, Mercury, and Progressive consistently deliver low rates across demographics, making them the best choices for drivers trying to recover from a DUI.

These three insurers also help drivers lower costs over time with usage-based programs, such as Progressive Snapshot, which reward safe driving after a DUI. Keep reading to compare DUI insurance rates and learn ways to save on car insurance with a DUI.

Age & Auto Insurance Rates After a DUI

Age plays a major role in determining auto insurance rates after a DUI. Insurers assess younger drivers as higher risk and older drivers as more stable behind the wheel.

At age 18, DUI drivers pay the highest premiums, with State Farm offering the cheapest rate at $125 per month. Progressive, Mercury, and American Family also offer cheap insurance after a DUI.

Auto Insurance After a DUI: Monthly Rates by Age

In contrast, companies like Liberty Mutual and Allstate charge more than twice as much, reflecting how limited driving experience amplifies risk after a DUI.

Even as drivers get older, Liberty Mutual and Allstate stay expensive, reflecting the higher premium for custom add-ons and policy rewards.

State Farm leads with an $85 monthly rate for drivers 25 and older, dropping down to $65 a month. Compare State Farm vs. Farmers, Geico, Progressive, and Allstate auto insurance for more quotes.

Overall, older drivers with a DUI will find the best combination of affordability and reliability through State Farm’s consistent low rates and Mercury’s practical, cost-effective coverage options.

DUI Insurance Rates vs. Other Infractions

Car insurance rates after a DUI can rise sharply, but some companies still offer affordable options. The cheapest rates come from State Farm, Mercury, and Progressive.

With a clean record, State Farm costs about $47 per month, Mercury around $42 monthly, and Progressive about $56 a month. After a DUI, those rates increase to $65, $70, and $75 a month, but still remain much cheaper than companies like Allstate and Liberty Mutual.

Auto Insurance After a DUI: Monthly Rates by Driving Record

If a driver has an accident or a ticket, the rate increase is smaller than after a DUI. Most companies raise rates between $25 and $35 a month.

Mercury costs about $62 a month after one accident and $52 monthly after one ticket, while State Farm averages $57 and $53 per month for the same situations.

Read More: Best Auto Insurance for Good Drivers

Credit Score & Auto Insurance Rates After a DUI

Auto insurance rates after a DUI can change a lot based on your credit score. Good credit can help lower costs, while poor credit can make premiums rise fast.

With excellent credit, State Farm is the most affordable at $65 per month, followed by Mercury at $70 monthly and Progressive at $75 per month.

Auto Insurance After a DUI: Monthly Rates by Credit Score

Drivers with good or fair credit still get reasonable rates, but rates rise the most for drivers with poor credit.

State Farm, Mercury, and Progressive remain far cheaper than other companies (Read More: State Farm vs. Progressive Auto Insurance). These providers make it easier for DUI drivers to find coverage that fits their budget, especially if their credit history is less-than-perfect.

Where You Live Impacts DUI Insurance Rates

Some states, like Iowa, Maine, and Idaho, have cheap DUI insurance, around $150 to $175 a month, making them the cheapest places for drivers with a DUI to get insured.

These states tend to have fewer large cities, lower accident risks, and more competition among local insurance companies. In contrast, Louisiana, Michigan, and Florida have some of the highest DUI insurance rates, ranging from $300 to more than $320 per month.

Prices are higher in some of these states because of tougher DUI laws, more claims or uninsured drivers, and greater risks from traffic or bad weather.

Get multiple auto insurance quotes from several companies in your city to find cheaper coverage and avoid overpaying for insurance.

Getting Auto Insurance Coverage After a DUI

After a DUI, it’s important to have the right auto insurance coverage to stay legal and protect yourself financially.

Drivers with a DUI are often seen as high-risk, which means higher premiums and stricter coverage requirements. You may also be required to file SR-22 insurance if your license was suspended or revoked after a DUI.

An SR-22, or FR-44 filing in some states, is a certificate required to prove you have the minimum insurance needed after a DUI. A few states also require additional coverage or higher liability limits for high-risk drivers.

The right mix of coverage helps you meet state laws and reduce the cost of accidents or damages. The types of auto insurance coverage after a DUI include:

• Liability Insurance: Liability auto insurance covers injuries or property damage you cause to others; required in most states and the minimum needed after a DUI.
• Collision Coverage: Pays for repairs to your car if you cause an accident, which can help avoid large repair bills.
• Comprehensive Coverage: Covers non-accident damage like theft, vandalism, or weather-related damage.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by someone who doesn’t have enough insurance.

Getting enough coverage after a DUI may cost more, but it helps you stay insured, avoid fines, and rebuild a clean driving record.

Before you decide, it’s smart to compare quotes from several companies, since prices can vary widely depending on your state, driving history, and credit score.

Ways to Save Auto Insurance Rates After a DUI

Your auto insurance rates will go up after a DUI, but don’t be tempted to cancel your coverage. Gaps in your insurance will lead to even higher rates in the future, so compare quotes and discounts online to find the cheapest DUI insurance near you.

Instead, drivers can still get cheap car insurance with a DUI by adjusting coverage, improving driving habits, and managing their policies more efficiently.

By comparing rates and using a mix of discounts and practical strategies, drivers can save hundreds each year despite their driving record.

These methods work well alongside traditional discounts and can make a big difference in keeping premiums affordable while rebuilding your record. Practical ways to save on auto insurance after a DUI include:

• Choose a Cheaper Car to Insure: Driving a safe, used, or low-horsepower vehicle helps reduce repair and replacement costs, leading to lower insurance rates.
• Increase Your Deductible: Raising your insurance deductible from $500 to $1,000 can cut monthly premiums without changing your coverage limits.
• Review and Adjust Coverage: If your vehicle is older or has a lower value, dropping collision or comprehensive coverage can reduce overall costs.
• Complete a Defensive Driving Course: Finishing these programs shows insurers you’re improving as a driver, often leading to premium reductions over time.
• Compare Rates Often: Shopping around every six to twelve months ensures you’re getting the best price, especially as your driving record improves.

When it comes to discounts from major insurers, Progressive offers the highest potential savings — up to 30% for completing a defensive driving course.

Geico and Liberty Mutual follow with strong bundling and multi-vehicle discounts of up to 25%.

Top Auto Insurance Discounts After a DUI

State Farm provides balanced savings through safety features and multi-car discounts up to 20%, with an additional 15% off for taking an approved defensive driving course.

These programs, combined with smart policy management, can help drivers with a DUI reduce costs significantly and regain affordable coverage faster.

The Cheapest Auto Insurance After a DUI

The largest car insurance providers for drivers after a DUI are State Farm, Progressive, Geico, Allstate, and Nationwide. Together, they make up the majority of the U.S. auto insurance market.

State Farm leads with a 25% market share, offering the most affordable rates and strong claims satisfaction for drivers working to rebuild their record. Progressive follows, standing out for its usage-based program that rewards safe driving behavior after a DUI.

Geico attracts drivers through its fast online quotes and wide availability. And while Allstate provides valuable accident forgiveness programs that help reduce rate increases after another incident, Nationwide appeals to DUI drivers with solid bundling discounts and customer service.

Shopping around among these top companies helps find the lowest rates and best insurance for a DUI, especially when combining safe driving efforts with available discounts.

Read More: What to Do If You Can’t Afford Your Auto Insurance

#1 – State Farm: Top Overall Pick

Pros

• Low Monthly Rates: State Farm offers the best insurance for DUI infractions, with minimum coverage starting at just $65 per month.
• Claims-Free Rewards: Drivers who maintain a clean record after a DUI can earn significant renewal savings through State Farm’s safe driver discount program.
• Strong Financial Stability: With a 710/1,000 claims satisfaction score, State Farm DUI insurance comes with reliable and consistent claims handling.

Cons

• Limited Digital Features: State Farm’s mobile app lacks advanced driver-tracking tools that help improve rates after a DUI.
• Strict Underwriting: Some DUI drivers may face longer policy approval times due to stricter eligibility reviews. See our State Farm car insurance review for more ratings.

#2 – Mercury: Best for Affordable Premiums

Pros

• Budget-Friendly Coverage: As mentioned in our Mercury insurance review, it offers minimum coverage starting at $70 per month after a DUI.
• Standard Protection: Despite low premiums, Mercury includes essential liability and property damage coverages that meet state minimum requirements for DUI drivers.
• Multi-Car Savings: DUI drivers can cut costs by insuring multiple vehicles, earning up to 20% in discounts through Mercury’s multi-car program.

Cons

• Limited Nationwide Availability: Mercury’s DUI insurance is not available in every state, restricting options for some drivers.
• Average Claims Support: With a 663/1,000 satisfaction score, response times and support may lag behind higher-rated competitors.

#3 – Progressive: Best for Usage-Based

Pros

• Usage-Based Discounts: Progressive’s Snapshot program helps drivers save up to 30% after a DUI, rewarding improved driving habits and lower mileage.
• Affordable Rates: Get Progressive DUI insurance from $75 per month, making it a strong value option for recovery-focused drivers.
• Customizable Coverage: Progressive’s flexible add-ons, such as roadside assistance and rental reimbursement, offer extra protection for DUI drivers.

Cons

• Rate Volatility: Rates may fluctuate if drivers’ Snapshot data shows risky habits after a DUI. Get details in our Progressive auto insurance review.
• Limited Human Support: Most DUI policy management occurs online, which may be less helpful for drivers preferring in-person guidance.

#4 – American Family: Best for Family-Oriented

Pros

• Balanced Premiums: American Family’s $104 monthly rate for minimum coverage after a DUI combines affordability with dependable service.
• Family Bundle Discounts: DUI drivers can save up to 25% by bundling auto with renters or homeowners insurance. Explore full insights in our American Family review.
• Teen and Family Driver Programs: Ideal for households with multiple drivers, helping DUI offenders maintain affordable family-wide premiums.

Cons

• Limited Availability: Coverage after a DUI may not be offered in all states.
• Mobile App Issues: The app’s discount tracking tools sometimes misreport safe driving data for DUI customers.

#5 – Farmers: Best for Safe Drivers 

Pros

• Competitive Rates: Farmers’ minimum coverage after a DUI averages $105 per month, with extra savings for completing a defensive driving course.
• Accident Forgiveness: Farmers offers accident forgiveness programs that help DUI drivers avoid premium spikes after minor incidents.
• Strong Customer Service: With a 706/1,000 claims satisfaction score, Farmers provides reliable claims handling for high-risk policies.

Cons

• Higher Full Coverage Costs: Upgrading from minimum to full coverage after a DUI can significantly increase monthly premiums.
• Limited Tech Discounts: Farmers lacks a usage-based program that could further reduce DUI rates. Review policies in our guide to Farmers insurance review.

#6 – Travelers: Best for Customer Service

Pros

• Personalized Support: Travelers maintains a strong reputation for hands-on customer service for drivers rebuilding their records after a DUI.
• Affordable Options: Minimum coverage starts at $112 per month, with multiple payment flexibility options. Get insights from the Travelers auto insurance review.
• Defensive Driving Discounts: DUI drivers can save up to 20% by completing state-approved safety courses.

Cons

• Higher Base Rates: Premiums after a DUI start higher than top competitors like State Farm or Mercury.
• Fewer Local Agents: Travelers relies heavily on online service, limiting in-person support for DUI drivers.

#7 – Geico: Best for Online Convenience

Pros

• Easy Online Access: Geico’s intuitive platform simplifies managing DUI insurance and comparing rates from multiple coverage options.
• Competitive Rates: DUI drivers pay about $117 per month for minimum coverage, lower than many large competitors.
• Fast Policy Adjustments: Geico’s digital tools allow DUI drivers to instantly modify coverage or add discounts. Compare quotes in our Geico insurance review.

Cons

• Limited Personalized Service: Most DUI policy support happens online, which can frustrate drivers who prefer direct contact.
• Discount Eligibility: Some defensive driving discounts after a DUI may not apply until three years of clean driving.

#8 – Nationwide: Best for Bundling Options

Pros

• Strong Bundling Savings: Nationwide offers up to 25% savings for DUI drivers who combine home or renters insurance.
• Affordable Minimum Coverage: DUI drivers can access coverage starting at $129 per month, with flexible policy adjustments.
• Telematics Discounts: The SmartRide® program rewards DUI drivers for safe habits with up to 40% off renewals.

Cons

• Higher Starting Premiums: Base DUI rates are higher than Progressive or Mercury. Compare free quotes in our Nationwide auto insurance review.
• Slow Discount Activation: Some telematics-based discounts require months of monitored driving before applying.

#9 – Allstate: Best for Accident Forgiveness

Pros

• Forgiveness Programs: Allstate’s accident forgiveness helps DUI drivers avoid rate increases for their next at-fault claim.
• Customizable Coverage: DUI drivers can build policies with flexible add-ons like towing or new car replacement. See a full list in our Allstate auto insurance review.
• Reliable Service: With a 691/1,000 satisfaction rating, Allstate provides dependable support for DUI-related claims.

Cons

• Expensive Rates: Minimum coverage costs $152 per month after a DUI, among the highest in this group.
• Limited Discount Eligibility: Many of Allstate’s best savings require clean driving for three years post-DUI.

#10 – Liberty Mutual: Best for Flexible Plans

Pros

• Custom Coverage Options: Liberty Mutual tailors plans for DUI drivers with flexible add-ons like gap coverage and accident forgiveness.
• Strong Claims Performance: With a 717/1,000 claims satisfaction score, Liberty Mutual ranks high for post-DUI claim resolution.
• Bundling Savings: DUI drivers can save up to 25% when combining multiple policies with Liberty Mutual. Our Liberty Mutual insurance review provides full details.

Cons

• High Premiums: Minimum coverage after a DUI starts at $178 per month, higher than all competitors.
• Discount Restrictions: Some savings, like defensive driving discounts, may only apply to select states.

How to Get Cheap Auto Insurance After a DUI

Comparing car insurance rates is the best way to find cheap auto insurance after a DUI. Prices can jump a lot after one or more DUIs, but some companies still offer affordable options.

State Farm, Mercury, and Progressive have the lowest rates overall, with minimum coverage starting around $65 per month. These companies provide cheap auto insurance for high-risk drivers with important coverage add-ons like roadside assistance.

Discounts can also make a big difference when rebuilding your record after a DUI. Progressive offers the biggest savings with defensive driving discounts up to 30%, while Geico and Liberty Mutual give up to 25% off for bundling multiple policies.

By comparing quotes, adjusting coverage, and taking advantage of these discounts, drivers can cut their DUI insurance costs and work toward getting back to more affordable rates. Get fast and cheap car insurance after a DUI today with our quote comparison tool.