Top 3 carriers for this situation
Estimated national full-coverage premiums with this situation applied, cheapest first. Directional model estimates — enter your ZIP below for your real local ranking.
| # | Carrier | Est. national | Why |
|---|---|---|---|
| 1 | GEICO | $1,384/yr | Accepts most high-risk profiles |
| 2 | Progressive | $1,477/yr | Best for DUI / SR-22, same-day filing |
| 3 | Bristol West | $1,699/yr | Farmers subsidiary, widely available |
Often the most expensive for this situation: Safe Auto · Direct Auto · Dairyland If you're with one of these, you're probably overpaying — it takes two minutes to check.
Why this raises your rate
A DUI roughly doubles many premiums and often pushes you into the non-standard market — and most states require an SR-22 (proof-of-financial-responsibility) filing for ~3 years. Standard carriers may non-renew; the carriers below specialize in high-risk drivers and file the SR-22 for you, often same-day.
How to pay less
- Use a carrier that files the SR-22 electronically same-day so you can get your license reinstated fast.
- Don't let coverage lapse during the SR-22 period — it resets the clock and spikes rates.
- Re-shop every 6–12 months; SR-22 pricing drops as the violation ages.
- Once the SR-22 period ends, shop the standard market again — you'll likely save a lot.
Rankings are directional estimates from the BoringRate model, not quotes — your real rate depends on your ZIP, vehicle, and history. Related: SR-22 Insurance Explained →
Frequently asked questions
Who is cheapest for this situation?
GEICO, Progressive, and Bristol West rank cheapest in the model. Enter your ZIP to see the order for your area.
Will my rate stay high forever?
A DUI roughly doubles many premiums and often pushes you into the non-standard market — and most states require an SR-22 (proof-of-financial-responsibility) filing for ~3 years. Standard carriers may non-renew; the carriers below specialize in high-risk drivers and file the SR-22 for you, often same-day.