Cheapest Car Insurance After DUI 2025 – Real Rates & Companies That Still Accept You
Freshly updated December 2025 – latest post-DUI rates, non-owner SR-22 prices, and new EV forgiveness programs added.
Table of Contents
- How much rates actually jump after a DUI
- Average costs after one DUI right now
- Companies that give the lowest rates after a DUI
- How much you can realistically pay in 2025
- Fastest ways to cut the cost after a DUI
- Frequently Asked Questions (plain text)
How much rates actually jump after a DUI
A first-time DUI/DWI usually raises your insurance 70–150 % for at least 3–5 years, depending on the state. After that period (and if you stay clean), most companies drop you back to normal or near-normal rates.
Average costs after one DUI – December 2025
| Situation | Typical monthly cost | Cheapest company right now | Typical yearly savings vs average |
|---|---|---|---|
| First DUI + SR-22 (own car) | $182 – $368 | Progressive | $800 – $2,400 |
| First DUI non-owner SR-22 | $48 – $110 | The General / Progressive | $1,000 – $2,600 |
| Second DUI | $280 – $520 | The General / Dairyland | $1,200 – $3,500 |
| DUI + clean record 3+ years | Back to normal | Any major carrier | $1,800 – $4,000+ |
Companies that give the lowest rates after a DUI
- Progressive – almost always the cheapest after a DUI and files SR-22 instantly
- The General – built for high-risk drivers, very competitive pricing
- State Farm – forgiving for first-time offenders who’ve stayed clean since
- Dairyland – strong non-owner rates
- National General & Gainsco – good in southern states
How much you can realistically pay in 2025
- First-time DUI with a car: $165–$260/month is common with Progressive
- Non-owner SR-22 after DUI: many pay $50–$95/month
- After 3 clean years: rates usually fall 40–70 % on the next renewal
- After 5 clean years: most companies treat you like a clean-record driver again
Fastest ways to cut the cost after a DUI
- Shop high-risk specialists immediately (never stay with your old company)
- Switch to non-owner SR-22 if you don’t own the vehicle
- Bundle with home or renters insurance
- Take a defensive-driving or DUI education course (saves another 5–15 %)
- Use pay-per-mile if you drive little now → Pay-Per-Mile Insurance 2025
- Drive an EV (some companies now give high-risk EV drivers lower rates)
Frequently Asked Questions (plain text)
Q: How much does insurance go up after a first DUI in 2025? A: Usually 70–150 %, so $182–$368/month on average.
Q: Which company is cheapest after a DUI? A: Progressive is still #1 in most states, followed closely by The General.
Q: Can I get non-owner insurance after a DUI? A: Yes – often only $50–$95/month even with an SR-22.
Q: When do rates drop again? A: Big drop after 3 clean years, almost back to normal after 5.
Q: Will a DUI ever fall off completely? A: Yes – after 7–10 years most companies stop counting it at all.
Drop your state and current post-DUI rate in the comments – we reply to every one!
