What Car Insurance Costs After a DUI: Three Publishers, Seven States
Ask three well-known rate sites what a DUI does to your premium and you'll get three different answers. Here they are side by side, with the reasons they differ.
The numbers, side by side
Average monthly premium for full coverage after one DUI, according to each publisher:
| State | Insurify | MoneyGeek | Ins.com* |
|---|---|---|---|
| California | $272 | $389 | $620 |
| Florida | $306 | $317 | $362 |
| New York | $432 | $177 | $230 |
| Ohio | $167 | $154 | $201 |
| Pennsylvania | $258 | $237 | $219 |
| Texas | $286 | $223 | $315 |
| Virginia | $260 | $184 | $195 |
| State | Range | Highest ÷ lowest |
|---|---|---|
| California | $272–$620 | 2.3× |
| Florida | $306–$362 | 1.2× |
| New York | $177–$432 | 2.4× |
| Ohio | $154–$201 | 1.3× |
| Pennsylvania | $219–$258 | 1.2× |
| Texas | $223–$315 | 1.4× |
| Virginia | $184–$260 | 1.4× |
How much they disagree
The widest gap is in New York, where the highest estimate ($432) is 2.4 times the lowest ($177). The closest agreement is in Pennsylvania, where all three fall between $219 and $258. No state has the three publishers within 10% of each other.
The disagreement is even bigger in the size of the increase over a clean record:
| State | Insurify | MoneyGeek | Insurance.com |
|---|---|---|---|
| California | +37% | +176% | +207% |
| Florida | +30% | +33% | +56% |
| New York | +78% | +50% | +50% |
| Ohio | +43% | — | +70% |
| Pennsylvania | +61% | +103% | +47% |
| Texas | +39% | +51% | +59% |
| Virginia | +28% | +98% | +55% |
Why they don't agree
- Different drivers. Insurify averages quotes actually served to shoppers on its platform, so its "DUI driver" is a mix of real people of different ages, cars and ZIP codes. MoneyGeek and Insurance.com price a fixed sample driver using Quadrant Information Services rate data.
- Different insurers. Insurance.com lists between 7 and 11 insurers per state and our average weights them equally. One insurer that prices DUIs very high moves the average a lot: in California, Farmers' DUI premium in its table is over $1,000 a month.
- Different policies. Insurance.com uses 100/300/100 limits with $500 deductibles. Insurify's full coverage uses $1,000 deductibles. MoneyGeek's DUI pages don't state their profile in the text we could read; its other state pages use a 40-year-old driver with 100/300/100 limits and $1,000 deductibles.
- Different dates. Insurify's figures are current as of August 31, 2026; Insurance.com's pages were updated in August 2026; MoneyGeek's DUI pages were last updated between February and August 2026.
What to do with a range
For Texas, California and Florida, our DUI cost calculator turns these ranges into a multi-year total, alongside the fines and fees set by state law.
None of these numbers is your quote. What the range tells you is how much the price depends on who you ask: in most of these states, the difference between publishers is larger than a typical discount. After a DUI, getting quotes from several insurers that write high-risk policies matters more than any single average. Each state link in the table goes to our guide for that state, with the filing rules (SR-22 or FR-44) and how long the surcharge lasts.
Sources
- Insurify, "Car Insurance With a DUI: Rates and Best Companies" (state table; rates current as of August 31, 2026) — accessed September 2026
- MoneyGeek, "DUI Car Insurance in [state]: Cost and Cheap Rates (2026)" pages for the seven states (updated February–August 2026) — accessed September 2026
- Insurance.com, "Cheapest car insurance in [state] for high-risk drivers" pages for the seven states (DUI tables, updated August 2026) — accessed September 2026
These are third-party estimates. We collected them, converted them to monthly figures and calculated the Insurance.com averages and all percentages; we didn't verify them against insurers' rate filings. See our methodology and disclaimer — this page is general information, not legal advice.