How to Get Auto Insurance After a DUI

A DUI can make auto insurance more expensive—and in some cases, your insurer may even drop you. But you can still get covered again, rebuild your driving profile, and eventually lower your rates with the right strategy.

Quick Take

Want to Compare Auto Insurance the Smart Way?

Most drivers overpay for auto insurance simply because they compare quotes the wrong way. The Before You Buy: Auto Insurance Rate Comparison Guide shows you the exact step‑by‑step method smart shoppers use to compare coverage, spot hidden differences, avoid misleading “cheap” quotes, and find the best value fast. If you want lower rates without cutting coverage, this guide is the proven system that makes it easy.

Get the Guide

How insurers view a DUI

A DUI is one of the most serious violations in the eyes of insurers. It signals a higher likelihood of future claims, which is why rates increase sharply afterward.

Insurers consider:

• How recent the DUI is: The first 3 years matter most.
• Whether it involved an accident: DUIs with injuries or property damage have a bigger impact.
• Whether it’s a first or repeat offense: Multiple DUIs severely limit insurer options.
• Your overall driving history: Clean otherwise, or multiple violations?

Step 1: Check whether you need an SR‑22 or FR‑44

Many states require a special filing—often called an SR‑22—to prove you have the minimum required insurance after a DUI. A few states use an FR‑44, which requires higher liability limits.

This filing is not insurance itself—it’s a certificate your insurer sends to the state.

Not all insurers offer SR‑22/FR‑44 filings, so this may limit your options.

Step 2: Compare multiple insurers—pricing varies dramatically

Some insurers penalize DUIs heavily, while others specialize in high‑risk drivers and offer more reasonable rates.

Include:

• National insurers.
• Regional carriers.
• Online/direct insurers.
• High‑risk or non‑standard insurers if needed.
• Independent agents who can quote multiple companies at once.

Step 3: Choose the right policy type

If you need to drive daily

You’ll need a full policy that meets state minimums and, ideally, provides higher liability limits.

If your car is financed or leased

Your lender will require comprehensive and collision coverage, regardless of the DUI.

If you don’t drive often

Ask about low‑mileage programs or telematics to reduce your rate.

Step 4: Use discounts to offset the DUI surcharge

Even after a DUI, you may qualify for discounts that reduce your rate.

• Bundling home or renters insurance.
• Multi‑vehicle discounts.
• Autopay or paperless billing.
• Low‑mileage or telematics programs.
• Defensive driving courses (in some states).

Step 5: Consider telematics to prove safe driving

Telematics programs track your driving habits and reward safe behavior. After a DUI, these programs can help rebuild your profile and reduce your rate faster than waiting for the DUI to age off.

Step 6: Avoid choices that make the DUI look worse

After a DUI, insurers watch your behavior closely. Avoid decisions that could compound the rate increase.

• Don’t let your policy lapse.
• Don’t miss payments—use autopay if needed.
• Don’t take on deductibles you can’t afford.
• Don’t ignore billing fees or missed discounts.

Quick comparison: DUI vs. other major risk factors

Common mistakes after a DUI

FAQ: Getting auto insurance after a DUI

Can I still get insurance after a DUI?

Yes. You may pay more at first, but many insurers will still write a policy for you.

How long will a DUI affect my rates?

Most insurers weigh DUIs for 3–5 years, with the biggest impact in the first 12–24 months.

Do all insurers check for DUIs?

Yes. DUIs appear on your motor vehicle record, which insurers review when quoting.

Can telematics help after a DUI?

Yes. Safe‑driving programs can reduce your rate faster than waiting for the DUI to age off.

Final thoughts

A DUI is a major setback, but it doesn’t prevent you from getting auto insurance or rebuilding your driving profile. By comparing multiple insurers, meeting state requirements, using discounts, and proving safe driving through telematics, you can secure strong protection now and work toward lower rates over time.