Best DUI Insurance Companies 2026

After a DUI conviction, finding affordable auto insurance requires knowing which companies actually specialize in high-risk drivers — and which will offer the best rates given your specific situation. Not all insurers treat DUI convictions equally, and the difference between a competitive and an average quote can be $800 to $1,500 per year.

Below, we've ranked the best DUI insurance companies based on average premium increases after a first DUI conviction, SR-22 availability, and financial strength ratings from AM Best.

Top DUI Insurance Companies Compared

Average increases based on NAIC rate filings and industry data for a 35-year-old driver with a first DUI conviction. Individual rates vary significantly by state, coverage level, and personal factors.

1. Progressive — Best Overall for DUI Drivers

Progressive is the most consistently recommended insurer for drivers with a DUI, and for good reason. They specialize in non-standard risk and offer SR-22 filing in every state that requires it. Their Name Your Price tool lets you find coverage that fits your budget, and their average DUI surcharge (around 72%) is well below the industry norm.

Pros: Lowest average DUI surcharge among major carriers; SR-22 filing available in all states; easy online quote process; snapshot telematics program can reduce rates over time.
Cons: Rates can be higher in certain states; customer service ratings are mixed.

2. State Farm — Best for Existing Customers

State Farm evaluates DUI cases individually and is known for being more lenient with long-term customers who have clean records prior to the DUI. Their average surcharge of 67% is the lowest among major carriers, though availability of SR-22 filing varies by state. If you've been with State Farm for years, call them before shopping elsewhere.

Pros: Lowest average surcharge; strong financial stability (AM Best A++); excellent local agent network.
Cons: Does not file SR-22 in all states; may non-renew for repeat offenders.

3. GEICO — Competitive in Most Markets

GEICO offers competitive DUI rates in most states and provides a straightforward online process for obtaining coverage. Their average surcharge of 83% is slightly above Progressive but still competitive compared to smaller carriers. Available in most states for SR-22.

Pros: Strong online experience; competitive rates in many markets; 24/7 customer service.
Cons: Higher surcharge than Progressive and State Farm; does not file SR-22 in all states.

4. The General — Best for Hard-to-Insure Drivers

The General specializes in non-standard, high-risk auto insurance and accepts drivers who've been declined or dropped by standard carriers. If you have multiple violations or have been turned away elsewhere, The General is worth getting a quote from. Rates are higher than standard carriers but the acceptance threshold is lower.

Best for: Drivers with multiple violations, very recent DUIs, or those who've been non-renewed by standard carriers.

5. Dairyland — Strong Regional Option

A division of Sentry Insurance, Dairyland focuses exclusively on non-standard auto insurance. They are particularly strong in the Midwest and Southeast, and are known for efficient SR-22 filing with same-day processing in most states.

Tips for Getting the Cheapest DUI Insurance Quote

• Compare at least 5 quotes — DUI surcharges vary dramatically between insurers
• Ask about discounts — even high-risk drivers can qualify for multi-policy, paperless, or defensive driving discounts
• Consider a telematics program — Progressive's Snapshot and State Farm's Drive Safe & Save reward safe driving behavior regardless of your history
• Evaluate your coverage level — dropping comprehensive/collision on an older vehicle reduces your premium significantly
• Set up auto-pay — prevents the costly mistake of a policy lapse during your SR-22 period

Want to calculate exactly how much your DUI will cost before you shop? Use our free DUI insurance calculator →