It’s not always easy to find cheap SR22 car insurance quotes after a DUI or DWI conviction. If you have a DUI or DWI on your record, you might be able to save a small fortune by switching to an auto insurance company that caters to this driver category.
Even a small jump in your rates will add up to a significant loss over time, so it pays to compare as many SR22 car insurance policies as possible. To help you save time, our Geeks did the heavy-lifting by comparing quotes from nine providers to find low cost auto insurance in each state for people who have been convicted of DUI or DWI.
The table below summarizes our findings:
|State||Cheapest Insurer||Monthly Premiumestimated|
|Alabama||Allstate||$169/month||Get a Quote|
|Alaska||State Farm||$103/month||Get a Quote|
|Arizona||State Farm||$158/month||Get a Quote|
|Arkansas||State Farm||$120/month||Get a Quote|
|California||Esurance||$307/month||Get a Quote|
|Colorado||State Farm||$110/month||Get a Quote|
|Connecticut||Allstate||$336/month||Get a Quote|
|Delaware||State Farm||$265/month||Get a Quote|
|Florida||Geico||$/month||Get a Quote|
|Georgia||State Farm||$123/month||Get a Quote|
|Hawaii||State Farm||$83/month||Get a Quote|
|Idaho||State Farm||$70/month||Get a Quote|
|Illinois||State Farm||$93/month||Get a Quote|
|Indiana||State Farm||$101/month||Get a Quote|
|Iowa||State Farm||$82/month||Get a Quote|
|Kansas||State Farm||$106/month||Get a Quote|
|Kentucky||Allstate||$250/month||Get a Quote|
|Louisiana||State Farm||$210/month||Get a Quote|
|Maine||State Farm||$79/month||Get a Quote|
|Maryland||State Farm||$213/month||Get a Quote|
|Massachusetts||Plymouth Rock Assurance||$119/month||Get a Quote|
|Michigan||Esurance||$281/month||Get a Quote|
|Minnesota||State Farm||$117/month||Get a Quote|
|Mississippi||State Farm||$123/month||Get a Quote|
|Missouri||State Farm||$122/month||Get a Quote|
|Montana||Allstate||$208/month||Get a Quote|
|Nebraska||Allstate||$163/month||Get a Quote|
|Nevada||State Farm||$183/month||Get a Quote|
|New Hampshire||Geico||$/month||Get a Quote|
|New Jersey||Geico||$/month||Get a Quote|
|New Mexico||State Farm||$108/month||Get a Quote|
|New York||State Farm||$232/month||Get a Quote|
|North Carolina||State Farm||$306/month||Get a Quote|
|North Dakota||State Farm||$88/month||Get a Quote|
|Ohio||State Farm||$96/month||Get a Quote|
|Oklahoma||Allstate||$188/month||Get a Quote|
|Oregon||State Farm||$133/month||Get a Quote|
|Pennsylvania||Allstate||$155/month||Get a Quote|
|Rhode Island||Allstate||$391/month||Get a Quote|
|South Carolina||Allstate||$207/month||Get a Quote|
|South Dakota||State Farm||$86/month||Get a Quote|
|Tennessee||State Farm||$108/month||Get a Quote|
|Texas||Esurance||$167/month||Get a Quote|
|Utah||Allstate||$198/month||Get a Quote|
|Vermont||State Farm||$112/month||Get a Quote|
|Virginia||State Farm||$88/month||Get a Quote|
|Washington||State Farm||$149/month||Get a Quote|
|Washington, D.C.||State Farm||$142/month||Get a Quote|
|West Virginia||Allstate||$210/month||Get a Quote|
|Wisconsin||Allstate||$164/month||Get a Quote|
|Wyoming||Allstate||$179/month||Get a Quote|
The driver in our study was 29 years old and had one DUI conviction involving a blood alcohol concentration (BAC) of 0.08%. The vehicle was a 2014 Toyota Corolla with an annual mileage of 12,000. Besides the DUI, the driver had an otherwise clean traffic record with no accidents or other citations in the previous five years. We averaged the estimated rates for females and males from five zip codes to determine the monthly premium for each state. Our data is based on an insurance policy including 50/100/25 liability limits and 50/100/25 limits for uninsured motorist coverage.
How Much Will My Car Insurance Increase After A DUI?
Our data indicates that drunk drivers pay 42% more for car insurance than drivers with a clean record. That means if you pay $100 per month for car insurance now, you could pay $504 more per year if you are convicted of DUI or DWI, which adds up to $1,512 in extra car insurance costs over just three years. The increase is even higher in certain states such as California.
Do All Insurance Companies Have The Same Rules Regarding Premium Increases After A DUI Conviction?
No. Some car insurance companies are more lenient than others when it comes to calculating the rates of auto insurance after a DUI or DWI conviction. This is why it is so important to compare multiple SR22 auto insurance quotes if you are convicted of drunk driving.
How Can I Get My Car Insurance Premiums Reduced After A DUI?
From attorney fees to fines to administrative costs, it can seem impossible to regain your financial footing after a DUI or DWI conviction. But when it comes to auto insurance, there are dozens of discounts available, and if you find the right SR22 car insurance company, your rates might not be much higher than they were before your conviction.
The first step is to ask your current provider about any discounts that apply to your situation. You might qualify for lower insurance rates if you haven’t been involved in a collision for several consecutive years or if you’re a student.
Another way to get your premiums reduced is to purchase a vehicle that is cheaper to insure. Car insurance companies calculate their premiums based on the probability that you’ll file an accident claim. Since some vehicles have a higher claim rate than others, you may find that purchasing a new vehicle could save you a small fortune in auto insurance. Try to find a vehicle with low horsepower.
Of course, the most effective way to get your premiums reduced is to avoid collisions, traffic citations, and DUI charges for several consecutive years. Make a concerted effort to drive safely and be sure to compare auto insurance quotes periodically to find out if you could save by switching to a different company.
DUI Car Insurance Facts & Statistics
Useful DUI And DWI Statistics
- 28 people die every day in the United States in alcohol-related collisions.
- Alcohol-related traffic deaths cost $52 billion per year.
- More than 10,200 people died in alcohol-related crashes in 2015.
- Drunk driving accidents contribute to nearly one-third of all traffic deaths in the United States.
- About 1.1 million drivers were arrested for driving under the influence of alcohol or drugs in 2015.
- Young people are involved in a higher percentage of alcohol-related accidents than other drivers.
- Motorists between the ages 21 and 24 have the highest incidence of drunk driving.
- Drivers who are found to have a BAC of 0.08% at the time of a fatal collision are 4.5 times more likely to have a previous DWI conviction than sober drivers who are involved in a fatal crash.
How Long Will I Need An SR22 After A DUI?
It is common for SR22s to be required for at least three years, though the duration can vary from state to state. You can expect to be required to file your SR22 for extra time if you are cited for another violation that requires an SR22 filing.
Common Signs A Driver Is Drunk
Most people know driving under the influence is irresponsible and incredibly dangerous, yet thousands of motorists do so every day. Although you cannot control the actions of others, you can reduce your risk of getting in a drunk driving accident by keeping your distance from drivers who show one or more of the following signs of impairment:
- Stopping far before or after a stop line at an intersection;
- Abnormal braking patterns;
- Drifting toward the centerline;
- Making illegal or reckless maneuvers;
- Swerving; or
- Almost hitting an object in the road.
How to Avoid Drunk Driving Accidents
The only foolproof way to avoid drunk driving accidents is to stay off the road. Since that’s not always an option, the next best step is to plan ahead so you’re never tempted to drive under the influence. Here are a few more tips to avoid drunk driving collisions:
- Establish a rotating designated driver schedule with friends;
- Keep your distance from drivers who show signs of impairment;
- Download a ride-share app;
- Avoid driving after 2 a.m.; and
- Stay off the road during drinking holidays.