DUI Insurance Calculator — See Your Real 3-Year Cost

Most drivers see their premiums roughly double. Nationally, full coverage averages around $2,670 per year before a DUI and jumps to about $5,185 after one, based on 2025 rate data. That is an extra $2,500 per year on average, though your number will be higher or lower depending on your state, your insurer, and your age. California, Michigan, and North Carolina tend to see the steepest increases. States like Maine and Idaho are on the lower end.

In most states, expect your rates to stay elevated for three to five years. Some insurers only look back three years when setting your premium, so the surcharge can drop off sooner than you expect if you keep your record clean. The DUI itself may stay on your driving record for five to ten years depending on where you live, but the insurance penalty typically fades before it fully disappears from your record. The best thing you can do is maintain continuous coverage and avoid any new violations.

It is possible, yes. Some standard insurers will non-renew your policy at the end of your term after learning about a DUI conviction. A few will cancel it mid-term. If that happens, you will need to find a high-risk insurer. Companies like The General, Dairyland, and National General specifically work with drivers who have serious violations on their record. Your state also has an assigned risk pool as a last resort, though it tends to be the most expensive option available.

SR-22 is not an insurance policy. It is a form your insurer files with your state DMV to confirm you are carrying the minimum required coverage. Most states require it for three years after a DUI, though the period ranges from one year in North Dakota to five years in Nebraska and Tennessee. The most important thing to know is that if your policy lapses for even a single day while the SR-22 is active, your insurer notifies the DMV and your license gets suspended. Drivers in Florida and Virginia have a different requirement called FR-44.

FR-44 is only used in Florida and Virginia, and it applies specifically to DUI convictions. It works the same way as an SR-22 but requires much higher liability coverage limits. In Florida, you need $100,000 per person and $300,000 per accident in bodily injury coverage, which is far above the state minimum. That higher coverage requirement is why Florida and Virginia drivers with a DUI typically pay $2,500 to $5,000 more per year than drivers in other states facing similar charges.

State Farm has the lowest average rates nationally after a DUI, coming in around $2,299 per year for full coverage based on 2025 to 2026 data. Progressive is close behind at roughly $3,625 per year and files SR-22s in every state that requires them. USAA offers the best rates overall at around $28 per month but is only available to military members and their families. That said, the cheapest company for you specifically will depend on your state and your driving history, so getting at least three or four quotes is always worth doing.

Yes. Most states participate in the Interstate Driver License Compact, which means DMVs and insurers can see out-of-state convictions. If you got a DUI in one state and then moved to another, your new state may still require an SR-22 even if your original state did not. Your insurer will also find out about it through your DMV record when your policy renews. Trying to leave an out-of-state DUI off an application is considered fraud and can result in your policy being cancelled.

The single most effective thing you can do is shop around. Not every insurer prices a DUI the same way, and the difference between the cheapest and most expensive quote for the same driver can be thousands of dollars per year. Beyond that, completing a state-approved defensive driving course can earn you a small discount with certain insurers. If your car is older, dropping collision and comprehensive coverage reduces your premium, though you should keep your liability limits intact since high-risk drivers face greater exposure to lawsuits. Re-shop every year because your rate should improve as the DUI ages.

A first DUI in the US typically costs between $10,000 and $25,000 once everything is added up. The biggest single expense is usually the insurance increase over three to five years, which alone can run $7,000 to $15,000. Add in attorney fees of $1,500 to $5,000, court fines and assessments of $1,000 to $3,000, ignition interlock device costs of $1,000 to $2,500, DUI school ranging from $150 to $1,500, and license reinstatement fees. A second offense regularly exceeds $30,000 in total. Lost wages from court dates and the cost of getting around during a license suspension are on top of all that.

DUI and DWI refer to the same offense. The term used just depends on your state. Texas, New York, and a handful of others call it DWI. Most of the country uses DUI. For insurance purposes, both are treated as major violations and trigger similar rate increases. Some states also have a lesser charge, like DWAI in New York for a BAC between 0.05 and 0.08 percent, which usually results in a smaller premium increase than a full DUI or DWI conviction.