Car Insurance After a DUI — 2026 Guide
A DUI conviction doubles the average U.S. car-insurance premium — drivers with a DUI on record pay roughly $3,580/year nationally, and most major carriers (State Farm, USAA, Allstate) will issue a non-renewal at the next policy term rather than re-underwrite the risk. The right move is a specialty / non-standard carrier (Progressive, Dairyland, The General, Direct Auto) that prices DUI risks honestly, paired with a court-ordered SR-22 filing in most states. The premium impact lasts 3–7 years depending on the state, then drops back toward baseline once the conviction ages off.
National average premium
$3,580/yr
$1,791 more than the U.S. adult baseline of $1,789/yr (+100%)
Industry-blended estimate based on a 2× multiplier vs. the U.S. adult baseline. State, age, vehicle, and discounts move the number 25–45%.
5 ways to cut drivers with a dui premiums
- Specialty carriers are your real market — Progressive, Dairyland, The General, and Direct Auto routinely write DUI risks. Major carriers (State Farm, USAA, Allstate) typically non-renew at term-end.
- Quote shop 5+ specialty carriers — pricing in the specialty market varies 30–50% on the same DUI risk profile. Don't settle for the first non-renewal-replacement quote.
- SR-22 (or FR-44) is usually required — Florida, Virginia, and Texas mandate FR-44 with higher liability limits. The rest require SR-22 for 3 years. See our SR-22 guide for state-by-state carrier eligibility.
- Defensive-driving course — many states allow 5–10% off the post-DUI premium for completion. Some courts also accept course completion as partial credit toward early SR-22 termination.
- Re-shop annually starting year 3 — DUI premium impact peaks at the first post-conviction renewal and tapers each year. By year 3 of a clean record, mainstream carriers often quote 20–30% below your specialty renewal.
Drivers With a DUI insurance by state
51 states + D.C.Click any state to see the local drivers with a dui premium estimate, minimum coverage requirements, and a state-specific savings playbook.
Maine
ME · $2,000/yr
Idaho
ID · $2,200/yr
New Hampshire
NH · $2,200/yr
Vermont
VT · $2,300/yr
Hawaii
HI · $2,350/yr
Iowa
IA · $2,350/yr
North Carolina
NC · $2,350/yr
Ohio
OH · $2,350/yr
Wisconsin
WI · $2,550/yr
Alaska
AK · $2,650/yr
Indiana
IN · $2,650/yr
North Dakota
ND · $2,650/yr
Virginia
VA · $2,750/yr
Washington
WA · $2,900/yr
Wyoming
WY · $2,950/yr
Minnesota
MN · $3,000/yr
Oregon
OR · $3,000/yr
Utah
UT · $3,000/yr
Tennessee
TN · $3,050/yr
Massachusetts
MA · $3,100/yr
South Dakota
SD · $3,100/yr
Kansas
KS · $3,250/yr
West Virginia
WV · $3,250/yr
Arizona
AZ · $3,350/yr
Illinois
IL · $3,350/yr
Montana
MT · $3,350/yr
Nebraska
NE · $3,350/yr
New Mexico
NM · $3,350/yr
Pennsylvania
PA · $3,350/yr
Missouri
MO · $3,500/yr
Colorado
CO · $3,600/yr
Alabama
AL · $3,650/yr
Connecticut
CT · $3,650/yr
South Carolina
SC · $3,650/yr
Texas
TX · $3,650/yr
Arkansas
AR · $3,750/yr
District of Columbia
DC · $3,850/yr
Georgia
GA · $3,850/yr
Mississippi
MS · $3,850/yr
New Jersey
NJ · $3,850/yr
Delaware
DE · $3,900/yr
Maryland
MD · $3,900/yr
Kentucky
KY · $4,050/yr
Oklahoma
OK · $4,050/yr
California
CA · $4,100/yr
New York
NY · $4,200/yr
Nevada
NV · $4,300/yr
Rhode Island
RI · $4,500/yr
Florida
FL · $5,250/yr
Louisiana
LA · $5,500/yr
Michigan
MI · $5,850/yr
Methodology: Premium estimates use NAIC state baselines × a published 2× persona multiplier. Our editorial team independently validates carrier discount data and refreshes state pages quarterly. See our insurance methodology for full sourcing.
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