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Car Insurance For Dui Drivers
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A surefire way to lose auto insurance is to get behind the wheel of a car while intoxicated. Because of the risk to the driver and anyone else on the road, insurance companies are careful to provide auto coverage to those who decide to drink and drive. Here, we'll look at DUI insurance rates, find out if you can get insurance after a DUI, and learn which companies offer the best auto insurance after a DUI conviction.
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State Farm, one of the most reputable insurance companies in the country, is also the most lenient when it comes to DUI auto insurance. State Farm is always ahead of the competition when it comes to post-DUI rates. In addition to growing access to digital services, State Farm's auto insurance is financially robust and enjoys a high customer satisfaction rate, according to J.D. Power.
SafeAuto is known as the go-to insurance for high-risk drivers, including those seeking DUI insurance. While comprehensive policy premiums are unlikely to be affordable, SafeAuto offers coverage policies that can work for most budgets. SafeAuto prides itself on personal safety and convenient payment plans.
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Drivers who don't spend much time in the car can benefit from the Progressive "Snapshot" program. Rather than overpay, drivers looking for cheap auto insurance with a DUI can download an app that tracks their driving habits. If they demonstrate safe driving habits, Progressive can lower their rates.
Erie is another "best bet" when it comes to DUI auto insurance. While the company is only available in 12 states, it offers the lowest rates in the industry for drivers with a compromised driving record. This low cost insurance offers more than just a policy. Options include lock-up services, curbside and bundled rentals, and pet safety.
Geico offers the most competitive rates in the country, even for drivers who have a DUI on record and need DUI insurance. In addition to low prices, Geico offers a simple application process, excellent customer service ratings, and a full menu of discounts.
Drivers seeking DUI insurance can lessen the financial pain of high premiums by taking advantage of the Allstate Drivewise program. It begins with inserting the device into your vehicle, an action that will result in an immediate premium reduction. After that, for every six months of responsible driving, their premiums will drop further. It can be a great choice for the low mileage driver.
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Depending on where the driver lives and the extent of their liability, the insurance rate can increase from 28% to 371%. In Missouri, for example, the average auto insurance premium is just under $800. In North Carolina, DUI auto insurance rates can be more than three times what someone without DUI would pay. So if someone pays $1,500 a year for insurance, their rates can go up to over $4,500. Drivers should expect to pay higher auto insurance costs after a DUI. It's about finding an insurance company that offers DUI insurance at a more lenient level until the DUI is cleared from the driver's record.
Each of these acronyms refers to driving while impaired by alcohol or drugs, and each leads to the need for DUI auto insurance and higher insurance rates. Here's a look at what they mean.
On average, taking out DUI auto insurance increases driver premiums by 94%. To see what that means for the average driver, let's say a person pays $1,500 a year before being convicted of drunk driving. After that, they can expect to pay about $2,910 a year for DUI auto insurance. While it's lowest in Missouri and highest in North Carolina, 94% represents the average increase when a driver has DUI insurance.
The best advice for getting cheap auto insurance after a DUI is to shop around and pick up DUI auto insurance. Drivers should take the time to check the rates of many insurance companies, even ones they have never heard of. This is because each auto insurance company treats DUI convictions and DUI insurance differently. All insurers charge more for drivers with DUI than for drivers with a clean record, but some charge more and some offer affordable DUI auto insurance.
Driving Under The Influence
Finding the best auto insurance companies is every driver's responsibility, but it's especially important for anyone looking for DUI auto insurance. There is no way most people can get around without proper auto insurance. Even if a driver can't log in after a DUI there is liability insurance, which beats the legal risk of not being covered.
When it comes to high-risk auto insurance, it's not all bad news. Every insurance agent in the country understands the reality of drunk driving, and many go out of their way to provide affordable DUI insurance. While some are certainly better than others, it is possible to get DUI car insurance cheaper.
We looked at all 50 states and Washington D.C. and found that State Farm offers the best coverage for DUI drivers in 35 states and D.C. Among other insurers, only Erie and Geico offer the cheapest DUI coverage in more than one state. Here are the cheapest post-DUI insurance in every state.
The insurance provider that stands out from the crowd when it comes to DUI auto insurance is State Farm, followed by Erie Insurance and Geico.
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How long a DUI stays on your record depends on the state where you live. In most states, a DUI will stay on a driver's record for three to five years, although it can affect a driver's insurance premium for about seven years. The exceptions to this rule are:
Drunk driving is a no-win situation. In addition to the risk of a car accident, a DUI offender runs the risk of being dropped by the auto insurance company. After losing the car, the driver should proceed to find the cheapest car insurance available through another insurance company. For a driver with a history of driving under the influence, the cost of DUI car insurance can be high enough to keep him off the road.
Dana George holds a BA in Management and Organizational Development from Spring Arbor University. For more than 25 years she has written and reported on business and finance, and still loves her work. Dana and her husband recently moved to Champaign, Illinois, home of the Fighting Illini. And even though she finds the color orange off-putting to most people, she thinks they'll appreciate Champaign surprisingly.
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How Can A Dui Affect Your Car Insurance?
We are strong believers in the Big Law which is why the editorial opinions are our own and have not been previously reviewed, endorsed or approved by featured advertisers. Ascent does not include all benefits on the market. Ascent's editorial content is different from Motley Fool's editorial content and is created by a different analytics team.
Dana George has positions at Target. Motley Fool owns and recommends Target. Motley recommends Progressive. The Motley Fool has a disclosure policy.
Ascent is a Motley Fool service that evaluates and reviews the products you need for your day-to-day financial affairs. The cheapest auto insurance companies after a DUI are State Farm, Travelers and Progressive, according to the analysis. A drunk driving conviction makes it difficult to get auto insurance and raises premiums in the range of 7% to 296%, depending on the state and insurer, so it's important to get the cheapest insurance possible.
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