A DUI conviction raises car insurance rates by 40–80% on average. Finding affordable coverage after a DUI requires comparing multiple companies — some are far more lenient than others.
Best Companies — Ranked
#1ProgressiveBest for DUI Drivers
Most lenient underwriting for DUI convictions. Files SR-22 certificates in all states. Snapshot program can earn discounts despite DUI history.
A DUI raises car insurance rates by 40–80% on average nationwide. In 2026, a DUI adds ~$1,200–$2,000/year to your premium. California has the highest DUI surcharges; some states are more lenient after 3 years.
Most states require an SR-22 certificate for 1-3 years after a DUI. SR-22 is not insurance — it's a form your insurer files with the state proving you carry minimum coverage. Not all insurers file SR-22. Progressive, GEICO, and State Farm do.
A DUI typically affects your insurance rates for 3-5 years, depending on state law. In California, DUIs impact rates for 10 years. Most insurers recalculate rates at renewal once the DUI is 3-5 years old.
Yes. Every major insurer offers coverage to DUI drivers — they just charge more. If major insurers decline you, The General and Dairyland specialize in high-risk drivers. You will always be able to get insured; the question is cost.