Insurance companies pay close attention to a variety of factors when determining rates. We’ve analyzed rates for a few of the most common driver “profiles” to give you an idea of how much insurance might cost for each one.
Use these links to compare car insurance rates for specific driver histories:
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Average rates for drivers with a DUI.
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Average rates for drivers with poor credit.
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Average rates for drivers with a recent accident.
Compare car insurance rates for drivers with a DUI
After a DUI, your auto insurance rate will go up — in some cases, it could even double. But one thing you can control is your choice of insurance company. A DUI can affect car insurance rates for 3 to 10 years, so it’s a good idea to shop around for the best price after getting a DUI.
If you have a DUI, you may be required to submit an SR-22 form, depending on your state’s requirements. Insurers can typically file an SR-22 form for you. However, some companies drop drivers who have a recent DUI or other serious offense.
Average annual rate for drivers with a DUI, by company
Below you can compare average car insurance rates from different companies for 35-year-olds before and after a DUI. Keep in mind that not all of these options are available in every state.
|
Company |
Drivers with a clean record |
Drivers with a DUI |
|---|---|---|
|
$2,665 |
$3,939 |
|
|
$1,791 |
$2,433 |
|
|
$3,106 |
$6,268 |
|
|
$1,846 |
$4,420 |
|
|
$2,279 |
$4,834 |
|
|
$2,112 |
$2,645 |
|
|
$1,976 |
$2,940 |
|
|
$1,681 |
$2,950 |
|
|
USAA* |
$1,432 |
$2,621 |
|
*USAA is only available to military, veterans and their families. |
||
Average annual rate for drivers with a DUI, by state
In Florida, the average insurance cost for drivers with a recent DUI is 32% higher, on average, than for similar drivers with no incidents — $1,213 more a year. However, a DUI in North Carolina almost quadrupled average rates in our analysis, adding more than $4,700 to the annual cost of full coverage car insurance for 35-year-old drivers.
See below for how your state measures up.
|
State |
Drivers with a clean record |
Drivers with a DUI |
|---|---|---|
|
$1,957 |
$3,519 |
|
|
$1,776 |
$2,881 |
|
|
$2,360 |
$3,840 |
|
|
$2,095 |
$3,216 |
|
|
$1,660 |
$4,126 |
|
|
$2,670 |
$4,302 |
|
|
$2,916 |
$5,496 |
|
|
$2,330 |
$4,523 |
|
|
$3,797 |
$5,010 |
|
|
$2,521 |
$3,986 |
|
|
$1,889 |
$3,775 |
|
|
$1,361 |
$2,630 |
|
|
$1,927 |
$3,584 |
|
|
$1,731 |
$3,682 |
|
|
$1,676 |
$2,834 |
|
|
$2,412 |
$3,813 |
|
|
$2,965 |
$5,112 |
|
|
$3,608 |
$5,150 |
|
|
$1,407 |
$2,804 |
|
|
$2,409 |
$4,110 |
|
|
$1,348 |
$2,479 |
|
|
$2,496 |
$7,041 |
|
|
$1,872 |
$3,246 |
|
|
$2,118 |
$3,468 |
|
|
$2,325 |
$3,618 |
|
|
$2,185 |
$4,079 |
|
|
$1,691 |
$2,728 |
|
|
$2,603 |
$4,432 |
|
|
$1,406 |
$2,363 |
|
|
$2,479 |
$6,007 |
|
|
$2,030 |
$3,224 |
|
|
$2,209 |
$3,968 |
|
|
$1,597 |
$6,351 |
|
|
$2,329 |
$4,260 |
|
|
$1,380 |
$2,844 |
|
|
$2,261 |
$3,571 |
|
|
$1,874 |
$3,367 |
|
|
$2,063 |
$3,361 |
|
|
$3,341 |
$5,235 |
|
|
$2,291 |
$3,716 |
|
|
$1,838 |
$3,238 |
|
|
$1,958 |
$3,699 |
|
|
$2,966 |
$4,730 |
|
|
$1,795 |
$3,398 |
|
|
$1,251 |
$3,092 |
|
|
$1,787 |
$3,043 |
|
|
$1,723 |
$2,923 |
|
|
$2,336 |
$4,754 |
|
|
$2,036 |
$3,848 |
|
|
$1,817 |
$2,844 |
|
|
$1,069 |
$2,684 |
While your car insurance rate will almost always increase after a DUI, it’s clear that the amount it increases will depend partially on where you live.