A DUI Can Double Your Car Insurance Premium
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Drivers with one DUI pay an average of $3,114 on average for full coverage car insurance, which is nearly double what someone without any traffic violations pays, according to NerdWallet’s 2021 rate analysis.
In comparison, the national average cost of car insurance for someone with good credit is $1,592, which works out to about $133 a month, according to the report.
That means that if you get a DUI, you can expect your car insurance premiums to go up about 96%.
Drivers with one DUI pay an average of $3,114 on average for full coverage car insurance.
A DUI and full insurance coverage
If you’re paying an average of $3,114 for car insurance after a DUI, that includes full insurance coverage, according to the report.
That means, that rate is for someone who has liability, comprehensive, collision, uninsured/underinsured motorist protection and any additional state-mandated coverage.
The report also found that with full coverage, the rate increased to about $2,439 on average after an at-fault car accident, and to $2,812 for a good driver with poor credit.
A DUI and minimum insurance coverage
But what if you don’t have full insurance coverage and only have the minimum required by your state? After a DUI, you’d still see a significant increase in your car insurance premium.
For minimum required coverage, the national average car insurance is $565 for someone with good credit. On average, that increases to $1,152 after a DUI.
If you’re in an at-fault wreck, minimum required coverage increases on average to $884, while a good driver with poor credit can expect to pay an average of $984.
However, there are many other factors that will affect your rates, such as your age, where you live and your driving history.
Other findings from the report
In the report’s state-by-state analysis for drivers with good credit and no recent accidents, NerdWallet found that Maine is currently the cheapest state for full car insurance, at an annual average rate of $963. It’s followed by Ohio and Idaho.
On the other hand, the report states that Louisiana is the most expensive state for full car insurance, with an average of $2,762 per year. Louisiana is followed by Michigan and Kentucky.
When it comes to cheapest minimum coverage, Iowa comes out on top, with an annual average car insurance rate of $255. In that category, Iowa is followed by South Dakota and Idaho.
Michigan is the most expensive state when it comes to minimum required coverage. At $1,128 per year, on average, Michigan is followed by New York and Louisiana in that category.
Get covered with Jerry
If you’ve been convicted of a DUI and are looking for the most affordable car insurance possible, Jerry can help. The free app compares quotes from up to 50 different insurance companies for you in under a minute, without any long forms to fill out.
Jerry will send you quotes that compare to your current coverage—and as a licensed broker, it takes care of your insurance needs from start to finish. The app also monitors your car insurance rate every six months on an ongoing basis, to ensure you always receive the best available rate.