Cheapest Insurance For Dui Drivers

Cheapest Insurance For Dui Drivers - Getting a DUI can increase your car insurance rates by more than 80%. Learn how to find cheap DUI insurance.

Getting a DUI leads to higher insurance rates for many years. And these rate increases are substantial: We found that DUI insurance is 80% more expensive than insurance without a DUI. After looking at thousands of DUI insurance quotes across the country, we've found that USAA, Progressive and American Family sell the cheapest DUI insurance. This article covers:

Cheapest Insurance For Dui Drivers

A DUI can increase insurance rates by more than 80%, although the actual increase depends on the policy's coverage limits. For a minimum coverage policy, a DUI increases the premium by about $66 a month for a total monthly premium of $141. A full-payment policy costs an additional $140 a month after a DUI, for a total of $308 per month.

How A Dui Affects Your Car Insurance

These increases can cause significant financial stress. And when you consider the fact that a DUI affects your insurance for three years or more, it's even worse. If you face inflated DUI insurance rates for three years, you'll be paying an extra $2,379 for minimum coverage during that time, or $5,055 for full coverage. It depends on whether you are paying for pre-DUI insurance.

If you are looking for DUI insurance, some companies offer cheaper rates than others. We've found that USAA, Progressive and American Family sell the cheapest DUI insurance policies. See how they stack up:

Keep in mind that rates vary by state. While the average rate in one country may be cheaper than most, that may not be the case in your state. We recommend that you compare quotes from multiple companies to find the lowest DUI insurance rates.

We found that car insurance policy for less than $898 per year with a clean record. After a DUI, the rate increases to $1,691. That's an increase of 88%, which means an extra $66 per month.

How Does A Dui Affect Your Auto Insurance Rates?

Every state has legal insurance requirements, and the lowest policy is often the cheapest policy you can buy. In most states, it only offers liability coverage, which helps you pay for damages to other people and their property. Because each state has a legal minimum, DUI insurance rates for the minimum policy vary from state to state. See what rates look like in your state:

A comprehensive policy comes with higher liability limits, including coverage for comprehensive, collision and personal injury. Naturally, it is more expensive than a small area. And this is especially true after a DUI, which increases rates by 84%, or an additional $140 per month, for full insurance. See how DUI insurance rates in your state compare to the national average:

While a DUI almost guarantees that you will pay more for car insurance, there are steps you can take to make sure you get the lowest DUI insurance available.

The most important thing you can do to get cheap DUI insurance is to shop around and compare DUI insurance quotes from different companies. As we've already shown, each insurer sets its own rates after a DUI, and some policies are cheaper. In particular, we've found that USAA, Progressive and American Family offer the cheapest DUI insurance.

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After comparing quotes, check for any discounts. Most car insurance companies offer various discounts. These include discounts for co-workers, seniors, students, multi-car insurance and more.

You can also work to improve your insurance score. If you lower your credit score and avoid additional driving offenses, your insurance score should improve. Insurance companies generally charge lower rates to drivers with good insurance scores.

Finally, reevaluate your coverage levels. If you think your taxes are too high, you can increase your deductions and reduce or eliminate certain areas. You will end up with a cheaper rate. Of course, you get what you pay for: the cheapest rates come with less coverage.

A DUI stays on your insurance record for three years, in most cases. You are likely to pay higher insurance rates at that time. Driving record is a different story: In most states, a DUI stays on your driving record for five to 10 years.

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If you get a DUI, you may need to file an SR-22 (or FR-44 in some states). This is a document provided by your insurance that proves to the state that you have the minimum insurance under the law. Each state has different requirements:

It is also recommended that you hire an attorney to help you navigate DUI charges. A cost-benefit analysis of hiring a DUI attorney has found that it is three times more likely to obtain a reduced DUI charge with the assistance of an attorney. The savings on insurance and court fines can be more than paying for an attorney.

We've collected over 30,000 car insurance quotes across the country through Quadrant Information Services for this driver profile:

In each state, we randomly select five ZIP codes and request quotes for each of those ZIP codes for every auto insurance company operating in that state. We eliminate clear releases at both ends of the price range.

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Minimum coverage rates are based on each state's minimum insurance requirements. Full citations are based on the following areas:

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