Cheap SR-22 Insurance After a DUI
Prices reviewed 2026-11-13
Bottom line: A DUI often roughly doubles your premium, but the gap between insurers is huge. Comparing quotes, choosing liability-only on an older car, and keeping a clean record are the fastest ways to bring the price down.
A DUI is the most expensive reason to need an SR-22. Even so, DUI drivers who shop around regularly save hundreds of dollars a year compared with drivers who stay with the first quote.
What a DUI SR-22 typically costs
No car (non-owner)$70–$140per month
Minimum coverage$110–$190per month
Full coverage$220–$320per month
Insurers often cheapest after a DUI
In recent studies, Erie (where available), State Farm and Progressive have often been among the lowest-priced for DUI drivers. High-risk specialists can be the better deal after a second DUI. See the company comparison.
Steps that lower a DUI rate fastest
- Get quotes from at least three or four insurers. DUI pricing varies more than any other kind.
- Consider liability-only if your car is older.
- Finish all court-ordered programs on time. A new suspension costs far more.
- Ask about a defensive driving discount.
- Requote every six to twelve months. Rates usually fall as the DUI ages.
Florida and Virginia drivers
A DUI in these states usually means an FR-44 with much higher limits. See cheap FR-44 insurance.
How long will a DUI raise my insurance?
It's usually three to five years for pricing, and sometimes longer. The SR-22 itself is often required for about three years.
Will my current insurer drop me after a DUI?
Some will at renewal. Others will keep you at a higher price. Either way, compare quotes.