A DUI raises auto insurance rates an average of 74 percent nationally. But rates vary dramatically by insurer and state. Shopping quotes after a DUI can save you $2,000 or more per year. Here is exactly what you need to know.
How Much Does Insurance Go Up After a DUI
The national average annual auto insurance premium jumps from $2,004 to $3,487 after a DUI, a 74 percent increase. However rates vary dramatically by insurer and state. Progressive averages $3,180 per year after a DUI which is the most competitive among major insurers. State Farm averages $4,320 per year post-DUI. Shopping quotes is essential after a DUI because the cheapest and most expensive post-DUI quotes for the same driver can differ by $2,000 or more annually.
Best Insurance Companies After a DUI
Progressive is the best insurer for DUI drivers nationally, offering the most competitive post-DUI rates and specializing in high-risk auto coverage. USAA is best for eligible military members after a DUI. Dairyland and Bristol West specialize in non-standard high-risk auto insurance and may offer coverage when standard insurers decline or non-renew your policy. Never shop only with your current insurer after a DUI since they may raise rates more aggressively than competitors.
SR-22 After a DUI
After a DUI conviction, most states require an SR-22 certificate which is a form your insurer files with the state DMV confirming you maintain minimum liability coverage. Not all insurers offer SR-22 filing so verify this before choosing a policy. Progressive, Dairyland, and The General all file SR-22 forms. An SR-22 itself costs $25 to $50 to file but the real cost is the higher insurance rates that accompany the requirement, which typically lasts 3 years in most states.
How Long Does a DUI Affect Insurance
A DUI stays on your driving record for 3 to 10 years depending on the state. In most states it affects your insurance rates for 3 to 5 years. California keeps DUIs on record for 10 years. Florida keeps them for 75 years. Texas removes them after 3 years. You can reduce the impact by maintaining a completely clean record during the period, completing a state-approved defensive driving course, and shopping quotes annually as your record ages and your risk profile improves.