Best Car Insurance for Minors With a DUI in 2024 (Top 10 Companies)
State Farm, USAA, and Progressive lead the pack in offering tailored car insurance rates after a DUI as a minor, with discounts of up to 20% available. Embracing high-risk drivers, they provide customizable coverage options and unbeatable value, ensuring peace of mind on every journey.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: May 13, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsState Farm leads the pack as the top choice for car insurance rates after a DUI as a minor, closely trailed by USAA and Progressive. These companies prioritize comprehensive coverage and exceptional customer service, catering to high-risk drivers with flexible options.
Young drivers are automatically deemed to be high-risk and thus pay higher than usual premiums. Finding car insurance coverage for a high-risk teenager is certainly possible although not always easy.
Our Top 10 Company Picks: Car Insurance Rates After a DUI as a Minor
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | 15% | Many Discounts | State Farm |
 | #2 | 25% | 20% | Military Savings | USAA |
 | #3 | 10% | 30% | Snapshot Program | Progressive |
 | #4 | 10% | 10% | Add-on Coverages | Allstate |
 | #5 | 20% | 10% | Usage Discount | Nationwide |
 | #6 | 5% | 10% | Local Agents | Farmers |
 | #7 | 25% | 30% | Customizable Polices | Liberty Mutual |
 | #8 | 29% | 10% | Student Savings | American Family |
 | #9 | 13% | 10% | Accident Forgiveness | Travelers |
 | #10 | 5% | 10% | Local Agents | AAA |
Some auto insurance companies will flat-out decline a minor with a DUI while others will accept the minor for coverage but at increased rates.
Despite past incidents, drivers can still find affordable car insurance options tailored to their needs, ensuring comprehensive protection and peace of mind on the road. Not all companies handle DUI and DWI with minors the same so make sure to compare DUI insurance quotes from many different companies.
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#1 – State Farm: Top Overall Pick
Pros
- Wide Coverage Options: State Farm offers a variety of coverage options, allowing customers to tailor their policies to specific needs.
- Strong Financial Stability: The State Farm car insurance review highlights the company’s solid financial reputation, assuring policyholders of its ability to fulfill claims.
- Extensive Agent Network: State Farm has a vast network of local agents, providing personalized assistance and a strong presence in communities.
Cons
- Potentially Higher Premiums: Some customers report higher premium rates compared to other insurers.
- Limited Online Tools: The online interface may lack certain advanced features and tools available with competitors.
#2 – USAA: Best for Supporting Servicemembers
Pros
- Excellent Customer Service: Discover more about USAA’s exceptional customer service and member satisfaction in our comprehensive USAA car insurance review.
- Competitive Rates: Members often benefit from competitive rates, particularly for military personnel and their families.
- Comprehensive Coverage for Military: Tailored policies cater to the unique needs of military members, including deployment-related benefits.
Cons
- Membership Restrictions: USAA is only available to military members, veterans, and their families.
- Limited Physical Locations: The absence of widespread physical branches may pose challenges for in-person service.
#3 – Progressive: Best for Snapshot Program
Pros
- Innovative Snapshot Program: Progressive’s Snapshot program offers discounts based on driving behavior, potentially saving customers money.
- Robust Online Tools: The company provides a user-friendly online platform for policy management, claims, and quotes.
- Name Your Price Tool: Learn more about how Progressive car insurance review unique tool allows customers to customize coverage based on their budget.
Cons
- Average Customer Service: Some customers report less satisfactory experiences with Progressive’s customer service.
- Rate Increases After Claims: Premiums may increase after filing a claim, impacting long-term affordability.
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#4 – Allstate: Best for Comprehensive Security
Pros
- Feature-Rich Policies: Allstate offers a range of coverage options with additional features, allowing policyholders to customize their plans.
- User-Friendly Mobile App: The Allstate mobile app provides easy access to policy information, claims tracking, and roadside assistance.
- Multiple Discount Opportunities: The company provides various discounts, such as safe driving, bundling, and loyalty discounts. Learn more about Allstate car insurance review to explore their offerings in detail.
Cons
- Relatively Higher Premiums: Some customers find Allstate’s premiums to be on the higher side compared to other insurers.
- Mixed Customer Service Reviews: Customer service experiences vary, with some praising responsiveness and others citing challenges.
#5 – Nationwide: Best for Beyond Coverage
Pros
- Wide Range of Coverage: Nationwide offers diverse coverage options, including unique policies for pets, farms, and more.
- Vanishing Deductible Program: Customers can benefit from Nationwide car insurance discounts, including a reducing deductible for safe driving, ultimately lowering out-of-pocket expenses.
- Member Satisfaction: Nationwide receives positive feedback for its customer satisfaction and claims handling.
Cons
- Potentially Higher Rates for Some: Depending on factors like location and driving history, some customers might find Nationwide’s rates less competitive.
- Limited Agent Accessibility: While agents are available, the network might not be as extensive as some competitors.
#6 – Farmers: Best for Growing Security
Pros
- Bundle and Save Options: Farmers encourages bundling policies, offering potential discounts for combining home, auto, and other coverages.
- Local Agent Network: The company has a widespread network of local agents, providing personalized assistance.
- Farmers Inner Circle Program: This program offers perks and discounts based on loyalty and safe driving habits, as highlighted in our Farmers car insurance review.
Cons
- Higher Premiums for Some: Premiums may be comparatively higher for certain demographics or geographical areas.
- Claim Process Length: Some customers report longer-than-expected claim processing times.
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#7 – Liberty Mutual: Best for Freedom and Versatility
Pros
- Customizable Policies: Liberty Mutual offers a range of coverage options and allows policyholders to customize their plans.
- Tech-Savvy Tools: The company provides advanced online tools and a user-friendly mobile app for easy policy management.
- Multi-Policy Discounts: Liberty Mutual encourages bundling policies, offering discounts for combining auto, home, and other coverages.
Cons
- Higher Premiums for Some: Some customers may find Liberty Mutual’s premiums to be relatively higher. For more insights into Liberty Mutual Car Insurance Review, explore further.
- Mixed Customer Service Reviews: Reviews on customer service are varied, with some praising responsiveness and others reporting challenges.
#8 – American Family: Best for Policy Transition
Pros
- Comprehensive Coverage Options: American Family offers a range of coverage options, including specialized policies for various needs.
- Local Agent Network: The company boasts a network of local agents, providing personalized service and community presence.
- Discount Programs: American Family car insurance review highlights the company’s various discount programs, rewarding safe driving, loyalty, and bundled policies.
Cons
- Potentially Higher Premiums: Some customers may find American Family’s premiums to be on the higher side.
- Online Tools Limitations: The online platform may lack some advanced features, impacting the convenience for tech-savvy customers.
#9 – Travelers: Best for Journey to Security
Pros
- Wide Range of Coverage: Travelers offers a diverse array of coverage options, catering to different insurance needs.
- Multi-Policy Discounts: Our Travelers car insurance review reveals that customers can benefit from discounts by bundling auto, home, and other policies.
- Strong Financial Stability: Travelers has a solid financial standing, ensuring the company’s ability to fulfill claims.
Cons
- Potentially Higher Premiums: Some customers report higher premium rates, particularly for certain demographics.
- Mixed Customer Service Reviews: Reviews on customer service experiences vary, with some expressing satisfaction and others facing challenges.
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#10 – AAA: Best for Roadside Liberation
Pros
- Member Benefits: AAA offers a range of additional benefits to its members, including roadside assistance, travel discounts, and rewards programs.
- Local Presence: In our AAA car insurance review shows the company has a widespread network of local branches, providing in-person assistance to members.
- Bundle Discounts: The company encourages bundling policies, offering potential discounts for combining auto, home, and other coverages.
Cons
- Membership Fees: While the benefits are extensive, AAA requires a membership fee, which may be an additional cost for some customers.
- Coverage Options: AAA’s coverage options might be perceived as standard, with fewer customizable features compared to some competitors.
Post-DUI Insurance Landscape: Monthly Rates for Minors across Leading Providers
The table below provides insight into the average monthly car insurance rates for minors who have incurred a DUI (Driving Under the Influence) across various insurance companies. The data includes both minimum and full coverage options offered by each company. Explore and Compare 17-Year-Old Driver Car Insurance Rates to make informed decisions about coverage.
Monthly Car Insurance Rates After a DUI as a Minor by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $509 | $1,018 |
| Allstate | $702 | $1,404 |
| American Family | $560 | $1,120 |
| Farmers Insurance | $855 | $1,710 |
| Liberty Mutual | $879 | $1,758 |
| Nationwide | $527 | $1,054 |
| Progressive | $884 | $1,768 |
| State Farm | $393 | $786 |
| Travelers | $978 | $1,956 |
| USAA | $276 | $552 |
For minimum coverage, USAA stands out with the lowest rate at $276, followed by Nationwide at $527. On the other end, Progressive has the highest minimum coverage rate at $884. When considering full coverage, similar trends persist, with USAA maintaining the most affordable option at $552, while Progressive remains the highest at $1768.
State Farm stands out as the top choice for car insurance after a DUI as a minor, offering affordable rates and dedicated support for military-affiliated individuals.
Brad Larson Licensed Insurance Agent
Notably, State Farm and American Family demonstrate a consistent pattern with their rates for both minimum and full coverage. The disparity in these figures underscores the importance of shopping around for insurance providers, as the financial impact of a DUI can vary significantly based on the chosen company.
Additionally, the data serves as a valuable resource for minors seeking post-DUI insurance, allowing them to make informed decisions regarding their coverage options.
The Ramifications of a DUI For a Minor
When a minor is arrested on a charge of DUI, it can change a lot of things in regards to their driving. Even if they do not already have a driver’s license, it will be noted on their driving record. This could delay their eligibility for a driver’s license.
For those with a beginner’s license or a regular license, it usually means revocation of it. When they become eligible for a license again, they will be deemed high risk and will pay heavily for DUI high risk insurance.
Many states require that a DUI convicted motorist have SR-22 liability insurance for a period of time following the incident. This means that the driver must have a certificate proving financial responsibility to the department of motor vehicles in the state in which he or she resides.
If a minor driver with a DUI offense does not own a vehicle, he must still carry a non-owner SR-22 insurance policy.
Check the requirements for your state by contacting the state insurance division or the department of motor vehicles before seeking insurance coverage for a minor with a DUI conviction.
Additionally, most insurance companies will be able to let you know of the SR-22 requirements in your state of residence.
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Finding Companies That Offer High-Risk Insurance for Teens
You will be relieved to know that there are indeed Car insurance companies that accept DUI out there which will be willing to insurance the minor with a DUI on his or her record.
There are also many companies out there who will flat out refuse to cover such a driver. Therefore, you may have to search a little harder than usual to find one to provide the coverage needed.
The quickest and easiest way to find companies who will indeed provide the insurance that you are seeking is to use an online quote tool.
The tool will get you the quotes you need from companies that know the situation up front and will automatically exclude quotes from those who do not offer such coverage. In the case of being unable to locate an insurer this way, you will need to contact the insurance department in your state, which may have a high-risk group available to help you.
Tips to Keep the Cost Down
If you are seeking car insurance for a minor with a record of DUI, expect to pay thousands of dollars for liability insurance alone.
One of the best ways to keep the overall cost of insurance down is to invest in an older car for that driver to use.
Lower valued cars such as these do not need comprehensive and collision insurance coverage which is an added expense.
Other tips to help you save money on car insurance for minors with a DUI are as follows:
- Make sure that he or she takes a driver training course. Often insurers will give a discount on prices based on the completion of such courses.
- Good student discounts are also common with many insurers. Encourage your minor driver to strive for As and Bs in high school or college in order to be eligible.
- When possible, opt to pay for the insurance policy in full up front if it gives you a discount. Many companies will give you a break on your premium for doing so, but be sure to check it out first.
- The top way to make sure that your car insurance cost is as low as possible is by shopping around carefully and extensively to make sure that you have the best price possible.
There are many insurers out there who simply don’t want to insure high-risk drivers. For this reason, you definitely don’t want to accept the first price you receive. Compare as many quotes as possible before making your decision.
When insuring a minor with a DUI record, explore cost-saving measures like investing in an older car and taking advantage of discounts. Comparison shopping is crucial for finding the best rates.
DUI Auto Insurance Quotes for Minors
An easy way to get multiple car insurance quotes is by using our online quote tool. The tool will provide quick and easy access to car insurance quotes from a variety of insurers serving your area.
The results are even provided in an easy to compare format, making the whole process much easier for you.
Use our car insurance comparison quote tool to find affordable car insurance for a minor with a DUI today.
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Case Studies: Comparing Car Insurance Rates After a DUI as a Minor
Finding the right coverage is crucial, especially for individuals with unique circumstances like DUI convictions. Here, we delve into three case studies of young drivers seeking insurance after a DUI incident. These case studies shed light on their choices and outcomes with different insurance providers.
- Case Study #1 – Neighborhood Protection for a First-Time Driver: Alex, an 18-year-old first-time driver with a DUI on their record, sought affordable coverage with State Farm. With a minimum coverage rate of $393, State Farm proved to be a reasonable choice for Alex, who benefited from the trust associated with its nationwide presence.
- Case Study #2 – Serving a Military Family Post-DUI: Emily, a 20-year-old with a DUI, belongs to a military family and explored USAA’s offerings. With a minimum coverage rate of $276 and full coverage at $552, USAA aligned with Emily’s budget while providing specialized support for military-affiliated individuals.
- Case Study #3 – Innovation for a Tech-Savvy Driver: David, a 22-year-old tech enthusiast with a DUI, sought innovation on the road and chose Progressive. Despite higher rates with a minimum coverage cost of $884, Progressive offered David the innovative features he valued, showcasing the importance of tailoring coverage to individual preferences.
The importance of exploring various insurance options tailored to individual needs, particularly for young drivers navigating the aftermath of a DUI, includes understanding DUI auto insurance rates. Whether seeking affordability, specialized support, or innovative features, providers like State Farm, USAA, and Progressive offer solutions for different preferences and circumstances.
State Farm emerges as the premier option for post-DUI car insurance for minors, boasting an impressive 95% customer satisfaction rating.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
The journey to finding suitable car insurance after a DUI can vary depending on factors like age, background, and preferences, including DUI insurance rates. By understanding the experiences of individual young drivers facing similar situations, you can make more informed decisions, ensuring peace of mind on the road.
Navigating Car Insurance After a DUI as a Minor
After a DUI as a minor, navigating the car insurance landscape can be daunting. However, with the right knowledge and approach, it’s possible to find suitable coverage that meets both your needs and budget.
Understanding the implications of a DUI conviction, such as increased premiums and potential license restrictions, is crucial in making informed decisions about insurance.
Providers offer competitive rates and tailored solutions for young drivers with DUIs. By exploring options, comparing quotes, and leveraging available car insurance discounts, minors can find affordable coverage that provides comprehensive protection on the road.
Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.
Frequently Asked Questions
How much does affordable car insurance dui cost for a minor with a DUI?
Affordable car insurance rates for minors with a DUI can vary depending on factors like location, driving history, and the insurance provider. Generally, expect higher premiums compared to drivers without DUIs.
To expand your knowledge, delve into our extensive guide on insurance coverage titled “Average Car Insurance Rates by Age and Gender,” and gain deeper insights
Where can I find affordable car insurance with DUI for minors?
You can find affordable car insurance for minors with DUIs by comparing quotes from multiple insurance providers. Look for companies that specialize in high-risk drivers or offer discounts for completing driver education courses.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
What are the best auto insurance for DUI companies for DUI for minors?
Some of the best auto insurance companies for minors with DUIs include State Farm, USAA, Progressive, and Allstate. These companies may offer competitive rates and special programs for high-risk drivers.
To enhance your knowledge, delve into our extensive guide on insurance policies titled “Learning About High-Risk Car Insurance,” ensuring you’re well-equipped to make informed decisions.
Can I find car insurance DUI-friendly insurance for minors?
Yes, there are insurance companies that specialize in providing coverage to high-risk drivers, including minors with DUIs. These companies may offer tailored policies and discounts to mitigate the impact of a DUI on insurance rates.
How can I get cheap car insurance for DUI drivers?
Getting cheap car insurance for DUI drivers may require shopping around and comparing quotes from different insurance companies. Additionally, you can explore discounts and programs offered by insurers to mitigate the impact of a DUI on insurance rates.
What are the best car insurance for DUI options for minors with a DUI?
The best car insurance options for minors with a DUI are those that provide comprehensive coverage at affordable rates. Companies like State Farm and USAA may offer tailored policies for high-risk drivers.
For a thorough examination, consult our comprehensive guide entitled “Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements” to delve into all aspects of car insurance coverage.
How can I get cheap auto insurance DUI for minors?
To get cheap auto insurance with a DUI for a minor, compare quotes from multiple insurers, maintain a clean driving record, and explore discounts offered by insurance companies for completing driver improvement courses.
Refer to our thorough report titled “Do all car insurance companies check your driving records?” for detailed insights, ensuring informed decisions.
Where can I get cheap auto insurance with a DUI for minors?
You can get cheap auto insurance with a DUI for minors by comparing quotes from multiple insurance providers. Look for companies that specialize in providing coverage to high-risk drivers or offer discounts for completing driver education courses.
Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.
How can I get DUI car insurance quotes for minors?
You can get DUI car insurance quotes for minors by contacting insurance companies directly or using online comparison tools. Provide accurate information about the minor’s driving history and DUI offense to receive accurate quotes.
To deepen your comprehension, delve into our extensive guide on business insurance entitled “Cheap Car Insurance Companies That Beat Quotes,” ensuring you’re well-informed before making any decisions.
Can I find DUI friendly auto insurance for minors?
Yes, there are insurance companies that specialize in providing coverage to high-risk drivers, including minors with DUIs. These companies may offer tailored policies and discounts to mitigate the impact of a DUI on insurance rates.
Where can I find cheap auto insurance with a DUI for minors?
Finding cheap auto insurance with a DUI for minors can be challenging, but some insurance companies specialize in providing affordable coverage for high-risk drivers. Consider comparing quotes from multiple insurers to find the best rates.
For an extensive examination, delve into our comprehensive guide titled “Cheap Car Insurance,” ensuring you find the best coverage at an affordable rate.
What are the best car insurance rates for dui companies for minors with a DUI?
The best car insurance rates for minors with a DUI are offered by companies like State Farm, USAA, Progressive, and Allstate. These companies may provide competitive rates and discounts for high-risk drivers.
Explore our comprehensive guide, “Best Car Insurance,” for an in-depth look at top insurance options, ensuring informed decisions for your coverage needs.
What are the cheapest car insurance with DUI options available?
The cheapest car insurance options with DUI may vary depending on factors such as location, driving history, and the severity of the offense. However, some insurance companies specialize in providing affordable coverage for drivers with DUIs.
Where can I get the cheapest insurance with DUI for minors?
Getting the cheapest insurance with DUI for minors may require researching insurance companies that specialize in providing coverage for high-risk drivers. Additionally, consider factors such as coverage options and customer service when comparing quotes to find the best value.
How can I find the cheapest insurance after DUI for minors?
Finding the cheapest insurance after DUI for minors may involve comparing quotes from multiple insurance providers and exploring discounts and programs aimed at high-risk drivers. Additionally, consider working with an insurance agent familiar with the needs of drivers with DUIs.
Gain valuable insights by referring to our comprehensive guide titled “How do you get competitive quotes for car insurance?” for expert advice and tips.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
