Best Car Insurance After a DUI in New York (Top 10 Companies for 2024)
State Farm, Amica, and Erie are the best car insurance after a DUI in New York. With rates as low as $42/month and some of the best customer service, flexible payment plans, and discount opportunities, these companies are great for New York drivers looking for all-around DUI insurance solutions.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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768 reviewsCompany Facts
Full Coverage After a DUI in New York
A.M. Best Rating
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Pros & Cons
768 reviews
1,814 reviewsCompany Facts
Full Coverage After a DUI in New York
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
State Farm, Amica, and Erie have the best cheap auto insurance after a DUI in New York. They are not only ranked among top insurers but also offer the lowest rates from $42/month and good coverage.
Amica offers the best customer service and widest coverage selections, while Erie is ready to meet you personally before writing a rate. Explore further in our article, “What happens if you get a DUI?”
Our Top 10 Company Picks: Best Car Insurance After a DUI in New York
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 12% B Many Discounts State Farm
#2 15% A Local Agents Amica
#3 10% A Online App Erie
#4 18% A++ Custom Plan American Family
#5 14% A+ 24/7 Support AAA
#6 16% A Student Savings Geico
#7 9% A+ Add-on Coverages Allstate
#8 19% A+ Customer Service Progressive
#9 17% A+ Innovative Programs Farmers
#10 11% A Customizable Polices Liberty Mutual
These two companies know how to negotiate affordable rates without sacrificing quality policy—both come highly recommended for people searching for great post-DUI insurance. See if you’re getting the best deal on car insurance by entering your ZIP code.
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Insurance Rates: State Farm offers competitive rates for drivers in New York who need car insurance after a DUI. Discover a wealth of knowledge in our “State Farm Insurance Review.”
- Discount Opportunities: State Farm provides various discounts, even for DUI drivers in New York, helping to lower premiums.
- Strong Financial Stability: State Farm’s financial strength ensures reliable DUI insurance coverage for New York drivers.
Cons
- Premium Increases After a DUI: Drivers in New York may see significant rate increases with State Farm.
- Limited Coverage for High-Risk Drivers: State Farm may offer fewer options for drivers with multiple DUI offenses in New York.
#2 – Amica: Best for Forgiveness Option
Pros
- DUI Forgiveness Option: Amica offers a DUI forgiveness program that helps New York drivers avoid premium spikes after their first offense.
- Excellent Customer Service: Amica is known for its outstanding customer service, benefiting New York drivers with DUI-related insurance needs.
- Flexible Payment Plans: Amica provides flexible payment options for New York drivers who are managing higher DUI insurance costs. Expand your understanding with our “Buying Car Insurance.”
Cons
- Higher Rates for Multiple DUIs: Amica’s premiums can be significantly higher in New York for drivers with more than one DUI.
- Limited Availability: Amica may not offer as many specialized DUI insurance plans as other New York companies.
#3 – Erie: Best for Competitive Rates
Pros
- Competitive Insurance Rates: Erie offers competitive rates for New York drivers seeking car insurance after a DUI. Gain deeper insights by exploring our “DUI and Future Opportunities.”
- Accident Forgiveness: Erie provides accident forgiveness for New York drivers, which can extend to those with a DUI.
- Efficient Claims Process: Erie has a fast claims process, helping New York DUI drivers get back on the road quickly.
Cons
- Limited DUI Forgiveness: Erie may not offer robust options for forgiving multiple DUI offenses in New York.
- Restricted Coverage Areas: Erie’s DUI insurance options may be limited to specific regions within New York.
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#4 – American Family: Best for Flexible Policies
Pros
- Flexible DUI Insurance Policies: American Family offers flexible insurance policies for New York drivers with a DUI record.
- Usage-Based Discounts: New York drivers with a DUI can benefit from usage-based discounts to help reduce their American Family insurance costs.
- Strong Reputation: The American Family has a solid reputation for handling DUI cases efficiently for drivers in New York. For the full story, check out our “DUI Bail and Bonds Overview.”
Cons
- Limited DUI Coverage Add-Ons: American Family may not offer as many add-ons or special coverages for New York DUI drivers.
- High-Risk Premiums: New York drivers with multiple DUI offenses may face steep premiums with American Family.
#5 – AAA: Best for Driver Assistance
Pros
- Driver Assistance: AAA provides New York drivers with DUI coverage assistance. Find out more by reading our “AAA Insurance Review & Ratings.”
- Discounts for Safe Driving Post-DUI: AAA offers safe driving discounts to New York drivers who maintain a clean record after a DUI.
- Roadside Assistance: AAA’s insurance plans include roadside assistance, which can be helpful for New York drivers with a DUI history.
Cons
- High DUI Premiums: AAA’s premiums can be high for New York drivers with a DUI record.
- Eligibility Restrictions: AAA may have stricter eligibility requirements for drivers with multiple DUIs in New York.
#6 – Geico: Best for Budget Friendly
Pros
- Low DUI Insurance Rates: Geico offers some of the lowest rates in New York for drivers with a DUI. Unlock additional information in our “Geico Insurance Review & Ratings.”
- Easy Online Management: Geico provides convenient online tools for New York DUI drivers to manage their insurance policies.
- Discounts After DUI: Geico offers discount programs for New York drivers to help reduce costs after a DUI offense.
Cons
- Higher Premiums for Repeat DUIs: New York drivers with more than one DUI may see substantial premium increases with Geico.
- Limited DUI Coverage Customization: Geico may not offer extensive customization options for DUI-related insurance in New York.
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#7 – Allstate: Best for Comprehensive Protection
Pros
- DUI Insurance Expertise: Allstate is dedicated to providing insurance solutions for New York drivers with DUIs.
- Driving Discounts: New York drivers with a DUI can benefit from safe-driving discounts through Allstate’s programs. For supplementary details, see our “Allstate Auto Insurance Review.”
- Comprehensive Coverage: Allstate offers comprehensive coverage options, including protection for New York DUI drivers.
Cons
- Higher Rates for DUI Drivers: Allstate’s premiums can be higher than average for New York drivers with a DUI.
- Limited Discounts for High-Risk Drivers: Compared to other providers, Allstate may not offer as many discount options for high-risk DUI drivers in New York.
#8 – Progressive: Best for Customizable Plans
Pros
- Affordable DUI Insurance in New York: Progressive provides competitive rates for New York drivers needing insurance after a DUI.
- Customizable Coverage: Progressive offers high-quality coverage for New York drivers with a DUI, catering to their specific needs.
- Snapshot Program: DUI drivers in New York can potentially use Progressive’s Snapshot program to reduce their premiums. Enhance your comprehension with our “Progressive Insurance Review.”
Cons
- Premium Hikes After Multiple DUIs: Progressive may raise premiums substantially for New York drivers with multiple DUI offenses.
- Mixed Customer Service Reviews: Some New York DUI drivers report inconsistent experiences with Progressive’s customer service.
#9 – Farmers: Best for Discount Opportunities
Pros
- DUI Insurance Discounts: Farmers offers discounts for New York drivers who have had a DUI but maintain a good driving record afterward.
- Flexible Coverage Options: Farmers provides flexible coverage options tailored to New York DUI drivers.
- Claims Support: Farmers has a strong reputation for supporting good claims for New York drivers with DUI. Obtain further insights from our “Farmers Insurance Review & Ratings.”
Cons
- High Premiums After DUI: Farmers’ rates can be on the higher side for New York drivers with a DUI history.
- Limited Add-Ons: Farmers may not offer as many DUI-specific coverage add-ons for New York drivers.
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#10 – Liberty Mutual: Best for Premium Support
Pros
- Comprehensive DUI Coverage: Liberty Mutual offers comprehensive coverage for New York drivers needing insurance after a DUI.
- Discount Programs: Liberty Mutual offers discounts for New York drivers with a DUI to help lower their premiums.
- DUI Forgiveness: Liberty Mutual’s DUI forgiveness program helps New York drivers avoid premium hikes after their first offense. Elevate your knowledge with our “Liberty Mutual Auto Insurance Review.”
Cons
- Expensive DUI Insurance: Liberty Mutual’s premiums for New York drivers with a DUI may be higher than those of competitors.
- Limited High-Risk Options: Liberty Mutual may have fewer coverage options for New York drivers with multiple DUI offenses.
New York DUI Car Insurance Monthly Rates by Provider & Coverage Level
It can be challenging to find affordable car insurance after a DUI conviction in New York. Providers and levels of coverage can vary dramatically in price, which is why it’s essential to take a close look at what you’re getting with each option. Here’s how the top providers, on average, break out to monthly pricing for minimum and full coverage after a DUI:
New York DUI Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$57 $148
$106 $205
$118 $228
$86 $283
$42 $107
$119 $230
$99 $192
$267 $516
$60 $115
$78 $151
Getting car insurance after a DUI in NY: The best options for high-risk drivers. Finding car insurance after a DUI can be difficult. With all this, you can only get a cheap car insurance quote online by comparing providers and slowly rebuilding your driving record as time passes.
Delve into the specifics in our article “First DUI: What You Should Know.”
Car Insurance Discounts From the Top Providers After a DUI in New York
Certain insurance companies in New York provide generous discounts that may help reduce your premium even if you have a DUI on record. Top providers and the savings they provide are included below:
Car Insurance Discounts From the Top Providers After a DUI in New York| Insurance Company | Discount Percentage | Discount Program |
|---|---|---|
| 10% | Good Student Discount |
| 9% | Early Signing Discount |
| 16% | Young Driver Discount |
| 19% | Homeowner Discount |
| 14% | Accident-Free Discount |
| 15% | Multi-Policy Discount |
| 18% | Defensive Driving Course |
| 11% | Vehicle Safety Discount |
| 17% | Pay-in-Full Discount |
| 12% | Safe Driver Discount |
Getting car insurance after a DUI in New York can be expensive, but most significant insurers still have discount programs to offset the higher premiums.
New York Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Bundling | A | 20% | Geico, Allstate, Progressive |
| Good Driver | A- | 30% | State Farm, Liberty Mutual, USAA |
| Telematics (Usage-Based) | A- | 25% | Allstate, Nationwide, Progressive |
| Loyalty | B+ | 10% | Nationwide, Travelers, Amica |
| Good Student | B | 15% | Progressive, State Farm, Farmers |
| Low Mileage | B | 12% | American Family, Geico, Esurance |
Drivers, however, can still reduce their rates by opting for programs such as safe driving courses or multi-policy bundles; others might secure good student discounts to help with costs. For a comprehensive understanding, consult our article, “How long does a DUI stay on your record?”
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Car Insurance After a DUI in New York
It becomes challenging to find cheap car insurance after a DUI conviction in New York because most auto insurers consider drivers with DUIs as high risk. Drivers in this category are charged much more than others because insurers perceive them to be at increased risk of being involved in additional collisions.
As far as car insurance goes, a DUI conviction in New York will haunt you for years — your rates are likely to be up significantly until the incident falls off your driving record. Under NY law, those convicted of a DUI must file an SR-22 form.
New York Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Albany | 9,200 | 8,000 |
| Binghamton | 2,800 | 2,500 |
| Buffalo | 18,500 | 16,500 |
| New York City | 150,000 | 130,000 |
| Rochester | 15,000 | 13,200 |
| Schenectady | 4,000 | 3,600 |
| Syracuse | 10,500 | 9,300 |
| Utica | 3,200 | 2,800 |
| White Plains | 2,500 | 2,300 |
| Yonkers | 6,700 | 6,000 |
It testifies to the state with at least a minimum level of liability insurance requirements. If you do not keep up with this insurance, then the potential consequences can be even more severe and end in a suspended driver’s license. In the end, a DUI in New York is expensive not only financially and legally but also when it comes to keeping your auto insurance rates affordable while slowly wiping away content from before you got convicted.
Enhance your knowledge by reading our “What is the criminal statute of limitations for a DUI/DWI?“
Rebuilding Your Driving Record After a DUI: Long-Term Strategies
A DUI conviction can impact not only your insurance rates but also your driving record for several years. However, consistent effort and proactive measures can improve your driving reputation and potentially reduce your premiums over time.
Here are some long-term strategies to rebuild your driving record and lower your insurance costs after a DUI conviction: Uncover more by reading our article “Drunk Driving.”
Maintain a Clean Driving Record
After receiving your DUI, you may need to serve as a designated driver and ensure that you do everything correctly in the future.
After a DUI, insurance companies keep their eyes locked on your driving history for several years — but if you go that time without another ticket or an accident, guys in board rooms around the nation may want to hug it out. Insurers will also likely decrease your rates over time if they can see you have represented good driving practices.
Complete Defensive Driving Courses
Enrolling in defensive driving or driver improvement courses can help demonstrate to insurance companies that you are committed to becoming a safer driver. Many insurers offer discounts to drivers who complete such programs. In some cases, defensive driving courses may also be required as part of your DUI sentence, which could further benefit your insurance rates.
Explore Usage-Based Insurance Programs
Some insurers offer usage-based insurance (UBI) programs that track your driving habits via a telematics device or mobile app. These programs reward drivers for safe behaviors like maintaining consistent speeds, braking smoothly, and avoiding high-risk times for driving (such as late at night).
Participating in a UBI program can help rebuild trust with your insurer and potentially lower rates based on real-time data for someone with a DUI on their record.
Seek Non-Owner Car Insurance
If you no longer own a vehicle but still need insurance to reinstate your license or meet state requirements, consider purchasing non-owner car insurance. This policy provides liability coverage when you drive a car you don’t own. Non-owner policies are typically cheaper and help keep insurance coverage active while you work on rebuilding your driving history.
Monitor and Improve Your Credit Score
In many states, insurance companies consider credit scores when determining rates. A DUI may coincide with financial stress or difficulties, negatively affecting your credit.
You may see improvements in your insurance premiums over time by improving your credit score through timely bill payments and managing debts. Some insurance companies offer better rates for drivers with more vital credit, even with a DUI.
Ty Stewart Licensed Insurance Agent
A DUI can affect your insurance rates and driving record for years, but you can improve both with consistent effort. By maintaining a clean driving history, completing defensive driving courses, exploring usage-based insurance, and monitoring your credit score, you can gradually lower your insurance premiums and rebuild your driving reputation.
Factors Affecting Insurance Rates After a DUI
Numerous factors come into play in determining the magnitude of increase you will experience with your insurance after getting a DUI. These may be your age, whether this is the first time you have been found to have been driving under such an offense, and how severe the incident was.
That means drivers with second or third offenses will get walloped on rates more than first-time offenders. Urban areas in New York have more traffic and accidents, so where you live could also affect your premiums. Check out our article, “What are my legal rights at a DUI checkpoint?“
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Ways to Lower Your Rates After a DUI
Though your rates will increase after a DUI, there are ways to lower them over time. Good strategies include completing a defensive driving course, avoiding further traffic violations, and shopping for quotes from insurers specializing in high-risk drivers.
Installing an ignition interlock device or attending state-required DUI programs may help you qualify for lower premiums. Our article “Out-of-State DUI Warrants” expands your understanding.
SR-22 Requirement in New York
New York may require you to file an SR-22 form after a DUI conviction to show that you meet the state’s minimum auto insurance requirements. As mentioned, this form is not an insurance type but a certificate your insurer files on your behalf.
Based on the offense, you will have a judgment to maintain SR-22 insurance for an average of 3 years. Not keeping your SR-22 will lead to repercussions, including suspension of your license or even more significant fines.
How Long a DUI Affects Your Insurance
A DUI in New York conservatively changed your auto insurance rates for 3–5 years, but the ramifications could persist substantially longer with some insurers. Your policy will renew with higher premiums, so this extra cost does not immediately impact you after your conviction.
Yes, the rates will go down little by little if you keep a clean driving record, but that DUI offense is going to stay on your driving history for many years and haunt you during insurance renewals and applications all this time.
High-Risk Insurance Providers
Not all insurers are willing to cover drivers with DUIs, but several specialize in high-risk policies. Companies like State Farm, Progressive, and Geico offer coverage options for drivers with DUIs, though rates will be higher than standard policies.
5 Common Car Insurance Claims in New York| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 35% | $6,000 |
| Bodily Injury Liability | 25% | $25,000 |
| Comprehensive | 20% | $3,800 |
| Uninsured Motorist | 10% | $20,000 |
| Property Damage Liability | 10% | $6,500 |
Shopping around and comparing rates can help you find the best deal. Some insurers may offer discounts for completing DUI education programs or installing safety devices in your vehicle.
Legal Penalties and Impact on Insurance
A DUI conviction in New York results not only in increased insurance costs but a range of legal penalties, including fines, possible jail time, and required alcohol education class. In addition to adding points to your license, you may also have it suspended or revoked-if that happens, continuing car insurance becomes more difficult.
New York Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B+ | Larger claims lead to higher premiums |
| Uninsured Drivers Rate | B | Moderate uninsured drivers increase rates |
| Weather-Related Risks | B | Seasonal weather causes moderate claims |
| Traffic Density | B- | Dense traffic increases accident risks |
| Vehicle Theft Rate | C+ | High theft rates raise premiums |
Some insurers may require additional coverage or impose stricter terms to cover the increased risk of insuring a commercial property that has been insured for personal use only in the past. A more complete appreciation of how the law works and its financial impact helps to address what comes after getting DUI coverage.
Summary: Navigating Car Insurance After a DUI in New York
Following a DUI conviction in New York, drivers pay increased car insurance rates for as many as 3 to 5 years and must prove that they have filed an SR-22 form. These legal consequences are hefty, which is why those with DUI convictions find it difficult to get affordable insurance.
Kristine Lee Licensed Insurance Agent
At a price, insurance is available from high-risk insurers like State Farm, Progressive, and Geico. Keeping a clean driving record, taking DUI education classes, and shopping rates with providers specializing in high-risk drivers can all help you save money over time.
For additional insights, refer to our “Should You Hire a DUI/DWI Lawyer?” Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.
Frequently Asked Questions
What is a DUI?
A DUI (Driving Under the Influence) is a criminal offense for operating a vehicle while impaired by alcohol or drugs. Gain insights by reading our article titled “How a DUI Record May Increase Any Future DUI Punishment.”
How does a DUI affect car insurance in New York?
A DUI typically results in higher premiums and may limit your insurance options.
What is an SR-22?
An SR-22 is a certificate that proves you have the required insurance coverage after a DUI conviction.
How long do I need to maintain an SR-22?
Usually, you must maintain an SR-22 for 3 years, but it can vary based on the offense. Deepen your understanding with our article called “How does a DUI affect your record?“
Will my insurance rates go up after a DUI?
Yes, most insurers will increase your rates significantly after a DUI conviction.
How long does a DUI stay on my record?
A DUI will remain on your driving record for at least 10 years in New York.
Can I still get car insurance with a DUI?
Yes, but you may have to seek out high-risk insurance providers, and your premiums will be higher. For further details, consult our article named “DUI and Expungement: Clearing Your DUI Record.”
Are there any insurers that specialize in DUI coverage?
Yes, companies like State Farm, Amica, and Erie offer options for drivers with DUIs. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.
What are the minimum insurance requirements after a DUI?
You must carry at least 25/50/10 liability coverage.
Can I get discounts after completing a DUI program?
Some insurers may offer discounts for completing DUI education programs. Gain deeper understanding through our article entitled “What defenses are there in a drunk driving case?“
Will my rates decrease over time?
Yes, maintaining a clean driving record can gradually reduce your premiums.
What if I have multiple DUI convictions?
Multiple offenses can lead to higher rates and longer SR-22 requirements.
Do all insurance companies report DUI convictions?
Most major insurers check driving records and will consider DUI convictions in their pricing. Find out more by reading our article titled “DUI Court: What it is and How it Works.”
Can my license be suspended after a DUI?
Yes, a DUI conviction can result in a license suspension of at least six months.
What if my license is currently suspended?
You can still obtain non-owner car insurance, but it may be more challenging.
Can I appeal my insurance rate increase after a DUI?
You can appeal, but most insurers base their rates on risk assessments. Broaden your knowledge with our article named “Refusing a DUI Breathalyzer Test.”
What additional coverage might I need after a DUI?
You may be required to carry higher liability limits or additional coverage types.
How can I lower my insurance rates after a DUI?
Improving your driving record and shopping around for quotes can help. By entering your ZIP code, you can get instant car insurance quotes from top providers.
What happens if I let my SR-22 lapse?
If your SR-22 lapses, your license may be suspended again, and you could face additional penalties. Explore further with our article entitled “Understanding a DUI Driver’s License Suspension.”
Can I get car insurance without an SR-22?
Yes, but you may not meet state requirements, which could lead to legal issues.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.