{"id":320843,"date":"2025-11-07T15:20:30","date_gmt":"2025-11-07T20:20:30","guid":{"rendered":"https:\/\/www.reviews.com\/?p=130163"},"modified":"2025-11-07T15:20:30","modified_gmt":"2025-11-07T20:20:30","slug":"how-dui-affects-your-premiums","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/car\/how-dui-affects-your-premiums\/","title":{"rendered":"How a DUI Affects Your Auto Insurance"},"content":{"rendered":"\n\n\n<h2 class=\"wp-block-heading\">How a DUI Affects Your Car Insurance<\/h2>\n\n\n\n<p><strong>Fast facts:<\/strong><\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li>In 2025 consumer rate studies, a single DUI typically raises full-coverage premiums about 60%\u201390% on average, depending on state and insurer, per <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>.<\/li><li>Nationally, post\u2011DUI full\u2011coverage averages commonly cluster around $3,800\u2013$4,600 for a middle\u2011aged driver profile in 2025 studies, implying roughly $1,500\u2013$2,500 more per year than a clean record; surcharges often persist 3\u20135 years. <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a> | <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> | <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a><\/li><\/ul>\n\n\n\n<p>You already know driving under the influence makes you a danger to yourself and others on the road. It also makes you a much bigger risk to auto insurance companies, which is why they\u2019ll ask drivers with a DUI on record to share the weight of that risk by paying much higher premiums. In 2022 alone, 13,524 people were killed in alcohol\u2011impaired-driving crashes \u2014 31% of all traffic deaths \u2014 underscoring why penalties and insurance surcharges are so significant (<a href=\"https:\/\/www.nhtsa.gov\/risky-driving\/drunk-driving\">NHTSA<\/a>).<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Average yearly full coverage auto insurance*<\/strong><\/td><td><strong>Average rate increase with a DUI*<\/strong><\/td><td><strong>Average yearly full coverage auto insurance after DUI*<\/strong><\/td><\/tr><tr><td>Clean-driver baseline varies by state\/insurer<\/td><td>About 60%\u201390% (typical 2025 studies)<\/td><td>$3,800\u2013$4,600 (nationally common in 2025)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*2025 consumer rate analyses using Quadrant data: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a><\/em><\/p>\n\n\n<p><span style=\"font-size: small;\"><em>These rates are modeled averages for comparison only. Your premium will vary by state, insurer, credit tier, coverage, and vehicle.<\/em><\/span><\/p>\n\n\n<p>Learn how we tested rates for <a href=\"#methodology\">DUI auto insurance.<\/a><\/p>\n\n\n\n<p>We studied how a DUI impacts auto insurance rates for drivers 40 years of age, using <a class=\"achor-toggles\" href=\"https:\/\/www.quadinfo.com\/\">Quadrant Information Services<\/a> data as summarized in 2025 by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>. Our test considers drivers with one recent DUI and an otherwise clean driving record.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">First Things First: Understanding DUI, DWI, OUI, and OVI<\/h2>\n\n\n\n<p>There are many ways to say \u201cdrunk driving.\u201d DUI and DWI are most common, but you might also see the terms OUI, OVI, OMVI, or variations of these depending on which state you live in.<\/p>\n\n\n<p>\u2022 <strong>DUI:<\/strong> Driving under the influence<br>\n\u2022<strong> DWI:<\/strong> Driving while intoxicated<br>\n\u2022 <strong>OUI:<\/strong> Operating under the influence<br>\n\u2022 <strong>OVI:<\/strong> Operating vehicle intoxicated<br>\n\u2022 <strong>OMVI:<\/strong> Operating a motor vehicle impaired<\/p>\n\n\n<p>All of these terms cover alcohol\u2011impaired driving and, in many states, impairment by drugs or a combination of alcohol and drugs. For our discussion, \u201cDUI\u201d includes driving with a per se BAC of 0.08 or higher (Utah\u2019s per se threshold is 0.05) and drug\u2011impaired driving. States are also refining cannabis\u2011related definitions: a minority use numeric THC thresholds (for example, Washington\u2019s 5 ng\/mL per se and Illinois\u2019 5 ng\/mL per se), while others rely on impairment\u2011based standards or \u201cpermissible inference\u201d at certain THC levels (e.g., Colorado at 5 ng\/mL). See <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a>, <a href=\"https:\/\/www.ncsl.org\/transportation\/marijuana-and-driving-laws\">NCSL (marijuana and driving)<\/a>, <a href=\"https:\/\/app.leg.wa.gov\/rcw\/default.aspx?cite=46.61.502\">RCW 46.61.502<\/a>, <a href=\"https:\/\/www.codot.gov\">Colorado DOT<\/a>, and <a href=\"https:\/\/www.ilga.gov\/legislation\/ilcs\/fulltext.asp?DocName=062500050K11-501.2\">Illinois statute<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How a DUI Impacts Auto Insurance Rates<\/h2>\n\n\n\n<p>We looked at how a DUI impacts <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">auto insurance rates<\/a>, compared to other driving incidents, for drivers at the age of 40. Across 2025 studies, DUIs cause far greater increases than routine tickets or a single at\u2011fault crash. Typical full\u2011coverage increases after one DUI are roughly 60%\u201390%, pushing national post\u2011DUI averages into the $3,800\u2013$4,600 range for a standardized 40\u2011year\u2011old driver, with the exact figure depending on state, coverage, and carrier. Most insurers rate a DUI as a major violation for about 3\u20135 years, and some may non\u2011renew or move you to a higher\u2011risk market; many states also require proof of financial responsibility (SR\u201122, or FR\u201144 in Florida\/Virginia) that can keep costs elevated during the filing period. Sources: <a href=\"https:\/\/www.forbes.com\">Forbes Advisor (2025)<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (2025)<\/a>, <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a>, <a href=\"https:\/\/www.iii.org\/article\/drunk-driving\">Insurance Information Institute<\/a>, <a href=\"https:\/\/www.flhsmv.gov\">FLHSMV<\/a>, <a href=\"https:\/\/www.dmv.virginia.gov\/insurance\/#fr44\">Virginia DMV<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><br><\/td><td><strong>Clean driving record*<\/strong><\/td><td><strong>Speeding ticket*<\/strong><\/td><td><strong>At-fault accident*<\/strong><\/td><td><strong>DUI*<\/strong><\/td><\/tr><tr><td><strong>Average annual full coverage premium<\/strong><\/td><td>Baseline varies by state and insurer<\/td><td>Typically a smaller increase vs. baseline<\/td><td>Often a moderate increase vs. baseline<\/td><td>About +60%\u201390%; post\u2011DUI often $3,800\u2013$4,600 nationally<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*2025 national averages synthesized from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>. Individual results vary significantly by state and company.<\/em><\/p>\n\n\n<p><span style=\"font-size: small;\"><em>These rates are a sample set meant only for general comparison. Your own premium will vary.<\/em><\/span><\/p>\n\n\n<p>Learn how we tested rates for <a href=\"#methodology\">DUI auto insurance.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Driver\u2019s License Restrictions After a DUI<\/h2>\n\n\n\n<p>After a first-time DUI arrest\/conviction, most states impose swift administrative license action (suspension\/revocation) separate from criminal penalties, followed by reinstatement steps that frequently include proof of financial responsibility (SR\u201122 or, in Florida\/Virginia, FR\u201144), fees, and in many jurisdictions ignition interlock installation. Many states have expanded all\u2011offender interlock policies or incentives; IIDs reduce repeat DUI re\u2011arrests by about 70% while installed, though pairing with treatment improves long\u2011term outcomes (<a href=\"https:\/\/www.ghsa.org\">GHSA<\/a>; <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL interlock laws<\/a>; <a href=\"https:\/\/www.cdc.gov\">CDC<\/a>). Driving while suspended can lead to <a href=\"https:\/\/www.ncsl.org\/research\/transportation\/driving-while-revoked-suspended-or-otherwise-unli.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">jail time or a fine of up to $1,000<\/a>.<\/p>\n\n\n\n<p>Penalties escalate for high\u2011BAC, test refusal, or repeat offenses. Some states tightened repeat\u2011offender treatment \u2014 for example, Washington expanded its felony DUI lookback window for counting prior offenses to 15 years (<a href=\"https:\/\/app.leg.wa.gov\/billsummary?BillNumber=5032&#038;Year=2023\">SB 5032<\/a>). States are also addressing poly\u2011drug impairment: many now authorize or pilot roadside oral\u2011fluid testing and explicitly cover cannabis impairment in DUI statutes, with differing THC standards (per se, permissible inference, or impairment\u2011based). See <a href=\"https:\/\/www.ncsl.org\/transportation\/drugged-driving\">NCSL drugged driving<\/a>, <a href=\"https:\/\/www.ncsl.org\/transportation\/marijuana-and-driving-laws\">NCSL marijuana &#038; driving<\/a>, and <a href=\"https:\/\/www.ghsa.org\">GHSA impaired\u2011driving resources<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">DUI Penalties and Insurance Rates by State<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>State<\/strong><\/td><td><strong>Average full coverage rate increase after first DUI offense*<\/strong><\/td><td><strong>License suspension after first DUI offense<\/strong><\/td><\/tr><tr><td>Alabama<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes state comparisons<\/a><\/td><td>Administrative suspension\/revocation; SR\u201122 may be required; confirm specifics via <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a> and <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL (IID)<\/a><\/td><\/tr><tr><td>Alaska<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID programs apply; verify details on <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Arizona<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Admin suspension and IID pathways common; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a> \/ <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Arkansas<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; SR\u201122 typically required post\u2011DUI; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>California<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension with IID options statewide; check <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a> \/ <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Colorado<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Admin suspension; marijuana 5 ng\/mL THC is a permissible inference for impairment (<a href=\"https:\/\/www.codot.gov\">CDOT<\/a>)<\/td><\/tr><tr><td>Connecticut<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID commonly required; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Delaware<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension with IID eligibility; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Florida<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; FR\u201144 filing with 100\/300\/50 liability for 3 years from reinstatement (<a href=\"https:\/\/www.flhsmv.gov\">FLHSMV<\/a>)<\/td><\/tr><tr><td>Georgia<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID options and SR\u201122 proof often required; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Hawaii<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; confirm IID framework via <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Idaho<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Admin suspension; SR\u201122 typically required post\u2011DUI; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Illinois<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Admin suspension; cannabis per se 5 ng\/mL THC in blood (<a href=\"https:\/\/www.ilga.gov\/legislation\/ilcs\/fulltext.asp?DocName=062500050K11-501.2\">625 ILCS 5\/11\u2011501.2<\/a>)<\/td><\/tr><tr><td>Indiana<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID and SR\u201122 may apply; verify on <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Iowa<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; interlock eligibility common; confirm on <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Kansas<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; SR\u201122 filing often required; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Kentucky<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID programs available; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Louisiana<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; SR\u201122 often required post\u2011DUI; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Maine<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; confirm IID and reinstatement steps via <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Maryland<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; Ignition Interlock participation common; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Massachusetts<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID for certain offenses; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Michigan<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; SR\u201122 not used by state but proof of insurance still required for reinstatement contexts; confirm via state resources<\/td><\/tr><tr><td>Minnesota<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; IID participation widely used; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Mississippi<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; SR\u201122 often required post\u2011DUI; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Missouri<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; IID options available; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Montana<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a> for specifics<\/td><\/tr><tr><td>Nebraska<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; IID participation common; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Nevada<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; confirm IID\/reinstatement via <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>New Hampshire<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID requirements apply in certain cases; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>New Jersey<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID required for many offenses; verify on <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>New Mexico<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; interlock programs established; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>New York<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; IID required for convictions; verify via <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>North Carolina<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a>; state uses DL\u2011123 proof rather than SR\u201122<\/td><td>Administrative action; confirm penalties and IID rules via <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>North Dakota<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; IID eligibility common; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Ohio<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID widely used in reinstatement; confirm via <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Oklahoma<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; SR\u201122 filing often required; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Oregon<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; SR\u201122 filing required for reinstatement contexts (<a href=\"https:\/\/www.oregon.gov\">Oregon DMV<\/a>)<\/td><\/tr><tr><td>Pennsylvania<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID mandated for many offenders; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Rhode Island<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID provisions apply; verify on <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>South Carolina<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; IID pathways for reinstatement; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>South Dakota<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; confirm penalties via <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Tennessee<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; IID options; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Texas<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; SR\u201122 filing common; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Utah<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; unique 0.05% BAC per se limit statewide (<a href=\"https:\/\/www.ghsa.org\">GHSA<\/a>)<\/td><\/tr><tr><td>Vermont<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; IID eligibility; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Virginia<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a>; carriers must meet higher limits post\u2011DUI<\/td><td>Administrative suspension; FR\u201144 with liability limits double state minimums (100\/200\/50 as of 2025) typically for ~3 years (<a href=\"https:\/\/www.dmv.virginia.gov\/insurance\/#fr44\">Virginia DMV<\/a>)<\/td><\/tr><tr><td>Washington<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; felony DUI prior lookback 15 years (<a href=\"https:\/\/app.leg.wa.gov\/billsummary?BillNumber=5032&#038;Year=2023\">SB 5032<\/a>); cannabis per se 5 ng\/mL THC (<a href=\"https:\/\/app.leg.wa.gov\/rcw\/default.aspx?cite=46.61.502\">RCW 46.61.502<\/a>)<\/td><\/tr><tr><td>Washington, D.C.<\/td><td>See 2025 DC average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s table<\/a><\/td><td>Administrative action; IID and reinstatement steps vary; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>West Virginia<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; IID programs; confirm via <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><tr><td>Wisconsin<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative action; IID for certain offenses; see <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a><\/td><\/tr><tr><td>Wyoming<\/td><td>See 2025 state average in <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s state table<\/a><\/td><td>Administrative suspension; IID programs active; see <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Use current 2025 state comparisons from <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a> for average post\u2011DUI increases by state. Legal penalty summaries: <a href=\"https:\/\/www.ghsa.org\">GHSA<\/a>; IID specifics: <a href=\"https:\/\/www.ncsl.org\/transportation\/ignition-interlock-device-laws\">NCSL<\/a>. Florida and Virginia FR\u201144 requirements: <a href=\"https:\/\/www.flhsmv.gov\">FLHSMV<\/a>, <a href=\"https:\/\/www.dmv.virginia.gov\/insurance\/#fr44\">Virginia DMV<\/a>.<\/em><\/p>\n\n\n\n<p><span style=\"font-size: small;\"><em>These rates are a sample set meant only for general comparison. Your own premium will vary.<\/em><\/span><\/p>\n\n\n\n<p>Learn how we tested rates for <a href=\"#methodology\">DUI auto insurance.<\/a><\/p>\n\n\n\n<p>Data on state DUI laws provided by the <a href=\"https:\/\/www.ghsa.org\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Governors Highway Safety Association<\/a><\/em><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cheap Auto Insurance After a DUI<\/h2>\n\n\n<p>\u201cCheap\u201d auto insurance after a DUI is relative. If the DUI is on your <a href=\"https:\/\/www.investopedia.com\/terms\/c\/clue-report.asp\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">insurance record<\/a>, rates are going to spike no matter what. Independent 2025 market analyses find violations typically affect premiums for about three to five years, and many states require proof-of-financial-responsibility filings (SR\u201122; or FR\u201144 in Florida and Virginia) for roughly three years, which can add cost due to higher required liability limits in FR\u201144 states (<a href=\"https:\/\/www.iii.org\/article\/drunk-driving\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.flhsmv.gov\">FLHSMV<\/a>; <a href=\"https:\/\/www.dmv.virginia.gov\/insurance\/#fr44\">Virginia DMV<\/a>). <a href=\"\/insurance\/car\/know-your-claims\/\">claims follow you<\/a> for several years, so you shouldn\u2019t expect that one-time mistake to disappear anytime soon.<\/p>\n\n\n<p>That said, every insurer measures risk differently. 2025 comparisons show large carrier\u2011to\u2011carrier dispersion after a DUI: <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> often find State Farm and Progressive on the lower end for post\u2011DUI quotes nationally, while GEICO, Allstate, Farmers and Liberty Mutual trend higher on average \u2014 but rankings vary by state and profile. Some companies place drivers with a DUI into non\u2011standard subsidiaries. If your current insurer prices you out, it\u2019s worth <a href=\"\/insurance\/car\/quotes\/\">comparing rates<\/a> broadly (aim for 6\u20138 quotes) and asking about telematics\/usage\u2011based programs that may offset a portion of the surcharge.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can Auto Insurance Drop You After a DUI?<\/h2>\n\n\n\n<p>You might be afraid your insurer will cancel coverage mid-policy if it finds out you were recently convicted of a DUI. That\u2019s usually not the case. Insurers generally only \u201cdrop\u201d customers mid\u2011term for nonpayment or material misrepresentation. However, a DUI is a major violation, and many insurers will either substantially raise your rate at renewal or choose not to renew, especially if there are multiple violations or aggravating factors. Industry guidance and consumer data confirm the risk of non\u2011renewal and multi\u2011year surcharges after a DUI (<a href=\"https:\/\/www.iii.org\/article\/drunk-driving\">Insurance Information Institute<\/a>).<\/p>\n\n\n\n<p>A more likely scenario after receiving a DUI is that your insurer hikes up rates next time you renew, or decides not to renew your policy altogether. <a href=\"\/insurance\/car\/why-insurance-companies-might-not-renew-coverage\/\">Nonrenewal<\/a> might happen if the DUI isn\u2019t your first offense. Say you have a previous at-fault accident or claim on record; you\u2019re going to start looking a lot riskier to insurers as those incidents compound.<\/p>\n\n\n\n<p>If your insurer decides not to renew coverage or becomes unaffordable after a DUI, you still have options. Shop around and consider <a href=\"\/insurance\/car\/how-to-switch-car-insurance-companies\/\">switching auto insurance companies<\/a> if you find cheaper rates elsewhere. If your record is full of red marks and you\u2019re having trouble getting coverage at all, look into a <a href=\"https:\/\/www.iii.org\/article\/what-if-i-cant-find-auto-coverage\" target=\"_blank\" rel=\"noopener noreferrer\">\u201cnonstandard insurer\u201d or state-run auto insurance plan<\/a> tailored toward high-risk drivers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SR-22 Forms for DUI Auto Insurance<\/h2>\n\n\n\n<p>Drivers convicted of a DUI will likely need to file an \u201cSR-22 form\u201d with their insurer or state insurance department. An SR\u201122 is not a type of insurance \u2014 it\u2019s a certificate proving you carry at least your state\u2019s required liability limits after a serious violation. Florida and Virginia use a stricter FR\u201144 filing for alcohol\u2011related offenses that mandates higher liability limits (Florida specifies 100\/300\/50 for 3 years from reinstatement; Virginia requires liability limits equal to double the state minimums \u2014 effectively 100\/200\/50 as of 2025). See <a href=\"https:\/\/www.iii.org\/article\/what-is-an-sr-22\">Insurance Information Institute<\/a>, <a href=\"https:\/\/www.flhsmv.gov\">Florida HSMV<\/a> and the <a href=\"https:\/\/www.dmv.virginia.gov\/insurance\/#fr44\">Virginia DMV<\/a>.<\/p>\n\n\n\n<p>SR\u201122s and FR\u201144s are required for drivers deemed higher\u2011risk. You\u2019d likely need one after a DUI, driving without insurance, or repeat serious violations. Insurers typically charge a small filing fee (often around $15\u2013$25) in addition to any premium changes, and the filing must remain active continuously for the full term (commonly about three years). Lapses trigger state notification and can result in re\u2011suspension (<a href=\"https:\/\/www.iii.org\/article\/what-is-an-sr-22\">III<\/a>; <a href=\"https:\/\/www.flhsmv.gov\">FLHSMV<\/a>).<\/p>\n\n\n\n<p>You can get an SR\u201122 or FR\u201144 form through your current auto insurance company. They will help you file it with the right state department. If you move across state lines, verify requirements before canceling \u2014 many states require continuous filing for the entire period. Washington, for example, explains proof\u2011of\u2011financial\u2011responsibility procedures and strict lapse enforcement for SR\u201122 policies (<a href=\"https:\/\/www.dol.wa.gov\/driverslicense\/sr22.html\">Washington DOL<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. As for average pricing, we referenced 2025 consumer analyses that use Quadrant Information Services data (including <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>) for a standardized 40\u2011year\u2011old driver profile. For full coverage, the details used were the following:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.&nbsp;<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.&nbsp;<\/p>\n\n\n\n<p>Incidents: Rates were calculated by evaluating our base profile with a single DUI conviction applied; most insurers rate major violations for about 3\u20135 years and many states require SR\u201122\/FR\u201144 for roughly three years after qualifying offenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s Next?<\/h2>\n\n\n<p><a href=\"\/insurance\/car\/best-cheap\/\">Find the best cheap auto insurance companies in the U.S.<\/a><\/p>\n<p><a href=\"\/insurance\/car\/how-to-get-cheap-insurance\/\">Learn how to save on your auto insurance without cutting coverage <\/a><\/p>\n<p><a href=\"\\nhttps:\/\/www.reviews.com\/insurance\/car\/how-does-car-insurance-work\/\">Explore our Auto Insurance FAQ<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>How a DUI Affects Your Car Insurance Fast facts: In 2025 consumer rate studies, a single DUI typically raises full-coverage premiums about 60%\u201390% on average, depending on state and insurer, per Forbes Advisor, NerdWallet, and Bankrate. Nationally, post\u2011DUI full\u2011coverage averages commonly cluster around $3,800\u2013$4,600 for a middle\u2011aged driver profile in 2025 studies, implying roughly $1,500\u2013$2,500 [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":130168,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How a DUI Affects Your Auto Insurance - Reviews.com<\/title>\n<meta name=\"description\" content=\"Driving under the influence makes you a danger to yourself and others on the road. 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