Best Car Insurance After a DUI in New York (Top 10 Companies for 2024)
State Farm, Amica, and Erie offer the best car insurance after a DUI in New York. With rates starting as low as $42/month, these companies are known for their best customer service, flexible payment plans, and various discount opportunities, making them ideal for New York drivers seeking DUI insurance solutions.
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Brad Larson
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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: Oct 2, 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: Oct 2, 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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Full Coverage After a DUI in New York
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1,814 reviewsCompany Facts
Full Coverage After a DUI in New York
A.M. Best Rating
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1,814 reviews
The best car insurance after a DUI in New York comes from State Farm, Amica, and Erie, offers the most affordable rates, starting at around $42 per month, and provides extensive coverage options. 
Amica stands out for its strong customer service and flexible coverage, while Erie offers competitive pricing with personalized policies. Explore further in our article titled “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 companies excel in balancing affordability, customer satisfaction, and reliable claims processing, making them top choices for drivers seeking the best post-DUI insurance. See if you’re getting the best deal on car insurance by entering your ZIP code.
#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 after a DUI.
- Limited Coverage for High-Risk Drivers: State Farm may offer fewer options for drivers with multiple DUI offenses in New York.
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#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, which benefits New York drivers dealing with DUI-related insurance needs.
- Flexible Payment Plans: Amica provides flexible payment options for New York drivers 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 compared to other companies in New York.
#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 certain regions within New York.
#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 on their 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: American Family has a solid reputation for handling DUI cases efficiently for drivers in New York. Get the full story by checking 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.
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#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 includes roadside assistance in its insurance plans, 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 who have a DUI on their 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.
#7 – Allstate: Best for Comprehensive Protection
Pros
- DUI Insurance Expertise: Allstate has a dedicated focus on providing insurance solutions for New York drivers with a DUI.
- Driving Discounts: New York drivers with a DUI can benefit from safe driving discounts through Allstate’s programs. Access supplementary details in our “Allstate Auto Insurance Review.”
- Comprehensive Coverage: Allstate offers comprehensive coverage options that include 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: Allstate may not offer as many discount options for high-risk DUI drivers in New York compared to other providers.
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#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 highly customizable coverage for New York drivers with a DUI, catering to their specific needs.
- Snapshot Program: DUI drivers in New York can use Progressive’s Snapshot program to potentially reduce their premiums. Enhance your comprehension with our “Progressive Insurance Review.”
Cons
- Premium Hikes After Multiple DUIs: New York drivers with multiple DUI offenses may face substantial premium hikes with Progressive.
- 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 providing good claims support 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.
#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 provides various discount programs 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 competitors.
- Limited High-Risk Options: Liberty Mutual may have fewer coverage options for New York drivers with multiple DUI offenses.
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New York DUI Car Insurance Monthly Rates by Provider & Coverage Level
After a DUI conviction in New York, finding affordable car insurance can be challenging. Rates often vary significantly by provider and coverage level, making it essential to compare options carefully. Below is a breakdown of monthly rates from top providers for both 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
Securing car insurance after a DUI in New York requires thorough research and a willingness to explore different coverage levels. By comparing providers, you can find the best policy to meet your needs while gradually rebuilding your driving record. Delve into the specifics in our article called “First DUI: What You Should Know.”
Car Insurance Discounts From the Top Providers After a DUI in New York
Even after a DUI, some insurance providers in New York offer valuable discounts to help lower your premium. Below is a list of top providers and the discounts they offer:
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 |
Securing car insurance after a DUI in New York can be costly, but many top providers still offer discounts to help offset higher premiums. By taking advantage of programs like safe driving courses, multi-policy bundles, or even good student discounts, drivers can significantly lower their rates.
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 |
These discounts, while varying by company, provide an opportunity to reduce costs while working to rebuild your driving record after a DUI. Exploring the available discount programs could lead to considerable savings over time, helping you stay insured without breaking the bank. For a comprehensive understanding, consult our article titled “How long does a DUI stay on your record?”
Car Insurance After a DUI in New York
After a DUI conviction in New York, finding affordable car insurance becomes a challenge, as insurance companies often classify drivers with DUIs as high-risk. This classification leads to significantly higher premiums, as insurers consider these drivers more likely to be involved in future accidents.
In New York, a DUI conviction remains on your driving record for several years, during which time your car insurance rates will remain elevated. New York law also requires DUI offenders to file an SR-22 form, which is a certificate of financial responsibility.
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 |
This form proves to the state that you have the required minimum liability coverage. Failure to maintain this insurance can result in further penalties, including the suspension of your driver’s license. Ultimately, while the financial and legal consequences of a DUI in New York are severe, taking proactive steps can help you find affordable car insurance and gradually improve your driving record.
Enhance your knowledge by reading our “What is the criminal statute of limitations for a DUI/DWI?“
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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, with consistent effort and proactive measures, it is possible to 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 delving into our article entitled “Drunk Driving.”
Maintain a Clean Driving Record
After a DUI, it’s essential to focus on driving responsibly and avoiding further infractions. Insurance companies will monitor your driving history for several years post-DUI, and maintaining a clean record with no additional tickets or accidents can significantly improve your standing. Over time, insurers may reduce your premiums if they see you’ve demonstrated safe driving habits.
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).
For someone with a DUI on their record, participating in a UBI program can help rebuild trust with your insurer and potentially lower rates based on real-time data.
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 type of 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 use credit scores as a factor when determining rates. A DUI may coincide with financial stress or difficulties, which can negatively affect your credit.
By focusing on improving your credit score through timely bill payments and managing debts, you may see improvements in your insurance premiums over time. Some insurance companies offer better rates for drivers with stronger credit, even if they have a DUI on their record.
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A DUI can affect your insurance rates and driving record for years, but with consistent effort, you can improve both. 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
Several factors influence how much your insurance will increase after a DUI. These include your age, driving history, and the severity of the offense. For instance, drivers with multiple offenses will face much higher rates than first-time offenders.
Additionally, where you live in New York can impact premiums, as urban areas tend to have higher rates due to the likelihood of more traffic and accidents. Get a better grasp by checking out our article titled “What are my legal rights at a DUI checkpoint?“
Ways to Lower Your Rates After a DUI
Though your rates will increase after a DUI, there are ways to lower them over time. Completing a defensive driving course, avoiding further traffic violations, and shopping for quotes from insurers specializing in high-risk drivers are good strategies.
Installing an ignition interlock device or attending state-required DUI programs may also help you qualify for lower premiums. Expand your understanding with our article called “Out-of-State DUI Warrants.”
SR-22 Requirement in New York
Following a DUI conviction, New York may require you to file an SR-22 form, which acts as proof that you meet the state’s minimum insurance requirements. This form is not a type of insurance, but rather a certificate that your insurer files on your behalf.
You’ll typically need to maintain SR-22 insurance for a few years, depending on the severity of your offense. Failing to keep your SR-22 current can result in additional penalties, including suspension of your license or further fines.
How Long a DUI Affects Your Insurance
In New York, a DUI typically affects your car insurance rates for 3 to 5 years, though the impact may last longer with some insurers. This increase in premiums starts when your policy renews, not immediately after your conviction. While the rates will gradually decrease if you maintain a clean driving record, a DUI will still linger on your driving history for years, impacting insurance renewals and applications during that time.
High-Risk Insurance Providers
Not all insurers are willing to cover drivers with a DUI, but there are several that specialize in high-risk policies. Companies like State Farm, Progressive, and GEICO offer coverage options for drivers with a DUI, 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, and some insurers may offer discounts for completing DUI education programs or installing safety devices in your vehicle.
Legal Penalties and Impact on Insurance
In addition to higher insurance costs, a DUI conviction in New York brings significant legal penalties, including hefty fines, potential jail time, and mandatory alcohol education classes. Your license may also be suspended or revoked, further complicating your ability to maintain car insurance.
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 like higher liability limits or may impose stricter terms to cover the increased risk. Understanding the full scope of legal and financial consequences can help you navigate post-DUI insurance more effectively.
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Summary: Navigating Car Insurance After a DUI in New York
After a DUI conviction in New York, drivers face increased car insurance premiums that can last for 3 to 5 years, alongside the requirement to file an SR-22 form as proof of insurance. DUI convictions lead to legal penalties, including fines, license suspension, and mandatory classes, all of which complicate finding affordable insurance.
Kristine Lee Licensed Insurance Agent
High-risk insurers like State Farm, Progressive, and GEICO offer coverage, though at higher rates. Maintaining a clean driving record, completing DUI education programs, and comparing quotes from specialized providers can help reduce the financial burden 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.