The consequences of getting a DUI are much more dangerous than many other driving incidents. Sorting out the legal consequences can be complicated on its own, and then there is the matter of your car insurance. Your indemnity rates will normally see a steep increase once a DUI is on your commemorate. historically, law enforcement agencies referred to drunk driving offenses as DWIs, or driving while intoxicated. A DUI was normally associated with driving under the influence of drugs. But many jurisdictions now use the terms interchangeably. A DUI now normally refers to any discourtesy related to driving under the influence of any type of drug, including alcohol. National average rates before and after a DUI: 

  • Full coverage: $1,555
  • Minimum coverage: $545
  • Full coverage with DUI: $2,849, or +$1,294
  • Minimum coverage with DUI: $1,084, or +$539

Insurance rate increases by state after a DUI

As each department of state differs in how DUIs affect rates, the table below may help you gain insight into average rate changes across the U.S. other factors that can affect rates include whether this DUI is your first offense, the phone number of points that you have on your drive record, and your accident history. rate increases will besides vary slightly from one insurance mailman to another.

quadrant information services, 2020

States with the highest rate increases after a DUI

  • North Carolina
  • California
  • Hawaii
  • Louisiana
  • Nebraska

In North Carolina, the average annual wide coverage insurance rate for those with a uninfected drive phonograph record is $ 1,378 per class. A DUI will make that rate more than triple, at $ 4,768, for a full increase of $ 3,390. California comes in as a distant second, with an average full coverage rate for a driver with a clean commemorate of $ 1,974 bumping up to $ 3,853 — a entire increase of $ 1,879 .

North Carolina

North Carolina had 1,321 fatal crashes in 2018, according to the Insurance Institute for Highway Safety ( IIHS ). Of those, 724 deaths were associated with intoxicated drivers. On the whole, policy carriers in this state levy the most dangerous addition in car policy rates for drivers with DUIs in the entire state .


California recorded 3,259 fatal cable car crashes in 2018 as well, with 1,369 deaths tied to drunk driving. Though these numbers are higher in sum than North Carolina, rates in California are second highest in overall addition when a DUI is factored in .


This department of state, with its relatively little population, only saw 110 deaths from car crashes in 2018 and 26 sum DUI-related deaths. But the modal insurance rate increase for those who get a DUI are inactive among the highest in the state, with an average annual wax coverage rate increase of $ 1,566 .


Although its population is much larger than that of Hawaii, the rate of black accidents in Louisiana are still much lower than the other states listed above. however, of the 716 deaths from car crashes in 2018, about half related to drunk drive ( 363 ). A DUI will raise your car policy premiums by about $ 1,645 per year .


This state besides has a relatively humble population, totaling 201 black car crashes in 2018 — 115 tied to drunk drive. probably because of the high percentage of fateful accidents involving DUIs, having one on record increased rates significantly, by $ 1,396 per year .

States with the smallest rate increase after a DUI

  • New York
  • Idaho
  • Missouri
  • Florida
  • District of Columbia

The insurance carriers in these states are much more forgive to drivers who get a DUI than the states in the previous number. Although the differences in price are still high, they are lower than all of the other states .

New York

Despite its population concentration, New York tracked 889 black accidents in 2018, with 359 associated with intoxicated driving. The average car insurance rate increase for a DUI in New York is a relatively depleted $ 609 per year


This sparsely-populated state saw a sum of 212 deaths from cable car crashes in 2018, with more than half tied to drunk drive ( 114 ). however, car indemnity rates for DUI offenders merely increases an average of $ 684 per year .


505 of Missouri ’ sulfur 2018 fatal car accidents ( 881 deaths in sum ) were related to DUIs. While hush reasonably first gear on the end of state increases, If you get a DUI in this country, your insurance will rise by around $ 768 per year.


With its gamey population concentration, it ’ s not surprising that Florida reported 2,915 deaths from car crashes in 2018, with just over 1,160 attributed to drunk drivers. The average indemnity bounty increase for drivers who get a DUI in Florida is $ 780 per year .

District of Columbia

The District of Columbia has one of the lowest rates of accident-fatalities in the country. In 2018 alone, it reported only 30 fatal accidents, with just 5 associated with intoxicated driving. however, average rates increased $ 806 per year when factorization in a DUI .

Auto insurance rates after a DUI by top carriers

As these findings indicate, if you are charged with a DUI, you can expect to pay more for your car indemnity. You will likely have to pay a higher rate for a long as your DUI stays on your drive record, although this can vary by supplier and your particular circumstances. And any other points that you accumulate on your drive read can besides affect your policy, such as for travel rapidly or for any other type of moving misdemeanor. Below, you can see how unlike carriers increase average rates when factoring in a DUI. quadrant information services, 2020

Shopping for cheap car insurance with a DUI

The table above illustrates that some carriers ’ rates may be more competitive when it comes to DUIs, but many variables can affect this for your circumstances. Carriers besides may raise their rates by different percentages, so comparison-shopping is essential when looking for the best supplier. here are early factors to consider when patronize for cheap cable car indemnity with a duet :

  • Overall rates for national providers
  • High-risk insurers
  • Safe driving discounts
  • Driver safety training discounts

If you do not qualify for coverage from the providers above, it helps to know some providers specialize in offering rates for bad drivers. The following may not be available in all states or to all drivers, but are peculiarly celebrated in their offerings to high hazard drivers :

How long does a DUI stay on your record?

In most states, a DUI will stay on your record for three to 10 years, but some states leave it on your record for a lot longer than that depending on the severity or frequency of the conviction. For example, in Alaska it can stay on your record permanently .

How long after a DUI does your insurance go down?

The average length of time that a DUI will affect your policy varies by state, provider and whether or not providers keep rates higher deoxyadenosine monophosphate hanker as the DUI stays on your phonograph record. In general, you will probable pay higher insurance rates for arsenic long as your DUI stays on your commemorate .

The takeaway

  • Getting a DUI will typically result in higher insurance rates.
  • The increase in your rates will depend upon your insurance carrier and the state you live in, among other factors. 
  • A DUI will typically stay on your driving record for many years.
  • You will most likely have to pay higher rates for as long as your DUI is on your driving record.
  • Comparing providers can help you determine which offers the most competitive rates associated with your DUI conviction.

Getting a DUI is an expensive proposal even under the best of circumstances. But some states and insurers are more forgiving with this than others. You may need to find a unlike policy company if your current one tries to gouge you unfairly. Consult your indemnity agent to find out more about getting coverage if you get a DUI or DWI and find yourself an lawyer .


coverage utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a DUI, good credit and the following full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each express ’ s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

*DUI qualifies as > .08 BAC These are sample distribution rates and should be used for relative purposes only. Your quotes may be different. Rates are determined based on 2020 Quadrant Information Services datum .

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