Obviously, getting a DUI is less than ideal and best avoided. However, everyone makes mistakes. What matters most is how you move forward. After a DUI, it’s harder to find car insurance and, on average, rates increase by 96% costing an extra $127 every month! Drivers with a DUI on their record are considered high-risk for years afterward.

That’s why it’s so important to be well-informed and get the best deal you can. We’ll cover some general information regarding car insurance costs and average nationwide rates. Then we’ll dive a little deeper into Texas, Florida, New York, Illinois, Pennsylvania, Ohio, and Kentucky specifically, including the cost of cheap DUI car insurance in each state.

Providers of Cheap DUI Car Insurance Nationwide

Progressive

Progressive is the cheapest large, national provider for full coverage insurance on average if you’ve had a recent DUI.

Top 4 Cheap DUI Car Insurance Providers Nationally:

  • Progressive: $163/mo
  • State Farm: $211/mo
  • Geico: $241/mo
  • Allstate: $300/mo

If you’re a current or former member of the military, you may be eligible for USAA Insurance which has lower rates than Progressive but only serves former and active military members and their families, so it isn’t generally included in the data. Small, local insurance agencies may have better rates than the large national insurers, so ask around and compare rates. In 68% of states (and D.C.) the cheapest post-DUI car insurance provider wasn’t among the 10 largest national companies so don’t just check the biggest names. 

The Cheapest Provider by State on Average:

  • Texas: Dairyland ($687/yr)
  • Florida: Geico ($1,593/yr) 
  • New York: Progressive ($1,060/yr)
  • Illinois: Kemper ($589/yr)
  • Pennsylvania: Penn National ($911/yr)
  • Ohio: American Family ($682/yr)
  • Kentucky: Safe Auto ($1,466/yr)

Cheap DUI Car Insurance in Texas

Geico

With so many factors affecting car insurance costs, these averages won’t represent everyone’s experience. However, they should give you a decent idea of what’s considered cheap DUI car insurance in Texas, which provider has the lowest rates, and generally what you might expect to pay. We’ll list the top 5 companies to call for cheap DUI car insurance in Texas for each age group to help narrow it down a bit.  

Cheap DUI Car Insurance in Texas for 20-Year-Olds: 

Company Annual Cost
Geico $1,156
Houston General $1,273
Dairyland $1,398
Kemper $1,314
Esurance $1,424

Cheap DUI Car Insurance in Texas for 30-Year-Olds: 

Company Annual Cost
Esurance $1,432
Geico $1,655
Republic Group $1,739
Houston General $2,272
National General $2,304

Cheap DUI Car Insurance in Texas for 40-Year-Olds:

Company Annual Cost
Esurance $1,365
Geico $1,639
Republic Group $1,678
Houston General $2,091
National General $2,203

Cheap DUI Car Insurance in Texas for 50-Year-Olds: 

Company Annual Cost
Esurance $1,257
Republic Group $1,545
Geico $1,566
Houston General $1,933
National General $2,150

Cheap DUI Car Insurance in Texas for Drivers 65+: 

Company Annual Cost
Esurance $1,407
Republic Group $1,521
Geico $1,627
Houston General $1,854
State Farm $2,119

Cheap DUI Car Insurance in Florida

While car insurance costs, on average, nearly double after a DUI nationally, drivers with the minimum, often cheapest car insurance coverage, in Florida face less than a 50% average increase in cost. These are the top 5 providers of cheap DUI car insurance in Florida by age group.

Cheap DUI Car Insurance in Florida for 20-Year-Olds: 

Company Annual Cost
Geico $957
Allstate $1,214
Direct Auto $1,347
State Farm $1,807
Progressive $2,253

Cheap DUI Car Insurance in Florida for 30-Year-Olds: 

Company Annual Cost
Geico $2,718
State Farm $2,798
Direct Auto $3,234
Allstate $3,402
Progressive $3,711

Cheap DUI Car Insurance in Florida for 40-Year-Olds: 

Company Annual Cost
Geico $2,568
State Farm $2,743
Direct Auto $2,815
Allstate $3,400
Progressive $3,602

Cheap DUI Car Insurance in Florida for 50-Year-Olds: 

Company Annual Cost
Geico $2,489
State Farm $2,657
Direct Auto $2,710
Allstate $3,265
Progressive $3,302

Cheap DUI Car Insurance in Florida for Drivers 65+: 

Company Annual Cost
Geico $2,340
State Farm $2,543
Direct Auto $2,751
Allstate $3,275
Progressive $3,300

Cheap DUI Car Insurance in New York

New York has a high standard for minimum coverage. They require you to have liability insurance, personal injury protection, and uninsured motorist bodily injury coverage, and quite a lot of it. These are the top 5 providers of cheap DUI car insurance in New York by age group.

Cheap DUI Car Insurance in New York for 20-Year-Olds: 

Company Annual Cost
Progressive $1,260
New York Central Mutual $1,434
Allstate $2,264
Utica National $2,377
Erie $2,406

Cheap DUI Car Insurance in New York for 30-Year-Olds: 

Company Annual Cost
Progressive $1,392
New York Central Mutual $2,499
Allstate $2,868
Erie $2,948
Geico $3,998

Cheap DUI Car Insurance in New York for 40-Year-Olds: 

Company Annual Cost
Progressive $1,335
New York Central Mutual $2,517
Erie $2,788
Allstate $2,867
Geico $3,974

Cheap DUI Car Insurance in New York for 50-Year-Olds: 

Company Annual Cost
Progressive $1,242
New York Central Mutual $2,416
Erie $2,697
Allstate $2,955
Encompass $3,908

Cheap DUI Car Insurance in New York for Drivers 65+: 

Company Annual Cost
Progressive $1,357
New York Central Mutual $2,226
Erie $2,713
Allstate $3,077
State Farm $3,724

Cheap DUI Car Insurance in Illinois

Illinois has areas of wide-open countryside and densely populated cities so car insurance rates will depend heavily on where you live. These are the top 5 providers of cheap DUI car insurance in Illinois divided by age.

Cheap DUI Car Insurance in Illinois for 20-Year-Olds: 

Company Annual Cost
Grange $893
Erie $936
Geico $1,030​
Travelers $1,042
Progressive $1,085

Cheap DUI Car Insurance in Illinois for 30-Year-Olds: 

Company Annual Cost
Grange $1,147
Pekin $1,392​
Progressive $1,473
State Farm $1,483
Erie $1,588

Cheap DUI Car Insurance in Illinois for 40-Year-Olds: 

Company Annual Cost
Grange $1,059
Pekin $1,280
Progressive $1,353
Erie $1,425
Mercury $1,434

Cheap DUI Car Insurance in Illinois for 50-Year-Olds: 

Company Annual Cost
Grange $1,156
Pekin $1,235
Progressive $1,247
Erie $1,300​
Mercury $1,396​

Cheap DUI Car Insurance in Illinois for Drivers 65+: 

Company Annual Cost
Grange $1,007
Pekin $1,299
Progressive $1,310
State Farm $1,327
Erie $1,342

Cheap DUI Car Insurance in Pennsylvania

Pennsylvania is the sixth most well-insured state (just short of making the top 5) with only 6% uninsured drivers. Population density varies wildly by region so these averages may not accurately represent what you’ll see. These are the top 5 providers of cheap DUI car insurance in Pennsylvania by age.

Cheap DUI Car Insurance in Pennsylvania for 20-Year-Olds: 

Company Annual Cost
QBE $901
Allstate $947
Geico $1,021
Esurance $1,031
Progressive $1,070

Cheap DUI Car Insurance in Pennsylvania for 30-Year-Olds: 

Company Annual Cost
Esurance $1,119
Penn National $1,564
Allstate $1,664
Erie $1,697
Progressive $1,859

Cheap DUI Car Insurance in Pennsylvania for 40-Year-Olds: 

Company Annual Cost
Esurance $1,085
Penn National $1,422
Erie $1,623
Allstate $1,656
Progressive $1,708

Cheap DUI Car Insurance in Pennsylvania for 50-Year-Olds: 

Company Annual Cost
Esurance $1,098
Penn National $1,231
Progressive $1,584
Allstate $1,593
Erie $1,594

Cheap DUI Car Insurance in Pennsylvania for Drivers 65+: 

Company Annual Cost
GrangeEsurance $1,185
Penn National $1,243
Erie $1,620
Allstate $1,665
Progressive $1,681

Cheap DUI Car Insurance in Ohio

Ohio was the site of the first recorded car accident in history and has over 100 racetracks, hosting races for vintage motorcycles as well as NASCAR and IndyCar. Luckily for you, this doesn’t affect your insurance rates. These are the top 5 providers of cheap DUI car insurance in Ohio per age group.

Cheap DUI Car Insurance in Ohio for 20-Year-Olds: 

Company Annual Cost
Esurance $261
American Family $766
Allstate $810
Geico $913
Progressive $946

Cheap DUI Insurance in Ohio for 30-Year-Olds: 

Company Annual Cost
American Family $1,013
Progressive $1,259
State Farm $1,442
Geico $1,514
Erie $1,575

Cheap DUI Car Insurance in Ohio for 40-Year-Olds: 

Company Annual Cost
American Family $928
Progressive $1,151
State Farm $1,413
Geico $1,486
Erie $1,500

Cheap DUI Car Insurance in Ohio for 50-Year-Olds: 

Company Annual Cost
American Family $860
Progressive $1,055
Progressive $1,385
Erie $1,471
Geico $1,477

Cheap DUI Car Insurance in Ohio for Drivers 65+: 

Company Annual Cost
American Family $877
Progressive $1,121
State Farm $1,302
Erie $1,478
Frankenmuth $1,485

Cheap DUI Car Insurance in Kentucky

Insurance rates in Kentucky are pretty high to begin with, so this is a rough one. It can be a large portion of your income before a DUI so prepare yourself. This won’t be pretty. These are the top 5 providers of cheap DUI car insurance in Kentucky by age group.

Cheap DUI Car Insurance in Kentucky for 20-Year-Olds: 

Company Annual Cost
Geico $1,277
State Farm $2,033
Westfield $2,052
Encova $2,242
Progressive $2,342

Cheap DUI Car Insurance in Kentucky for 30-Year-Olds: 

Company Annual Cost
State Farm $2,629
Grange $2,853
Progressive $2,903
Geico $2,950
Nationwide $3,620

Cheap DUI Car Insurance in Kentucky for 40-Year-Olds: 

Company Annual Cost
State Farm $2,579
Progressive $2,687
Grange $2,855
Geico $2,901
Nationwide $3,569

Cheap DUI Car Insurance in Kentucky for 50-Year-Olds: 

Company Annual Cost
Progressive $2,490
State Farm $2,529
Grange $2,675
Geico $2,886
Kentucky Farm Bureau $3,173

Cheap DUI Car Insurance in Kentucky for Drivers 65+: 

Company Annual Cost
State Farm $2,370
Grange $2,603
Progressive $2,657
Geico $2,954
Nationwide $3,358

Finding a Cheap DUI Car Insurance Rate

Minimum coverage likely isn’t worth the savings. The protection from the bare minimum insurance allowed in your state is usually sorely lacking, so if you are in an accident, you could pay much more out of pocket than you saved. Let’s go over some other important tips for finding cheap DUI car insurance in your state. 

Tips for Finding Cheap DUI Car Insurance in Your State

Start ASAP: Your rate will nearly always rise after a DUI and many insurers will even drop you, so to save the most money and avoid a lapse in coverage, start immediately. 

Shop Around: Contact different providers in your area including both large national insurance companies and small local agencies. Get as many quotes as possible. 

Be Honest: To get an accurate rate quote you’ll have to be upfront about having gotten a DUI.

Seek Out Online Tools: Rate comparison tools like NerdWallet’s can show you rates from many companies at once.

Final Thoughts

Remember, this won’t affect you forever. Your rates can start to come down in as little as three to five years. Averages are often far from an accurate representation of what to expect on an individual level. Your situation is unique, and ultimately, there’s no way to say with any level of certainty if your outcomes will match the current trends and averages seen in the available data. However, you can go into your search with the right information and tactics to increase your odds of obtaining the best results. Hopefully, now, you’re prepared to do just that.

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