Does auto insurance cover DUI accidents?

Your auto insurance company might cover DUI accidents, but it'll probably fight covering the accident if you caused it when driving while intoxicated. It's more likely that they'll pay for damages if someone else caused an accident while you were drunk driving. A DUI can raise your auto insurance rates by up to 127% and may stay on your record as long as 10 years.

UPDATED: Jun 3, 2022Fact Checked

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jun 3, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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.

A Concise Overview

  • If you’re at fault for an accident while drinking and driving, your auto insurer will probably fight paying out a claim.
  • If you get involved in an accident while drinking but it’s not your fault, it’s more likely an insurer will pay for your damages.
  • After a DUI, you’ll be considered a high-risk driver with a rate increase of up to 127%

Does car insurance cover DUI accidents? That depends on your insurer. If you cause an accident when you are driving drunk, there’s a chance it won’t be covered by your insurer.

Some auto insurance companies take the position that causing an accident while intoxicated is intentional, which voids your claim.

Even if you don’t cause an accident, getting a DUI will cause you to be labeled a high-risk driver by auto insurers. High-risk drivers could pay hundreds more for high-risk auto insurance.

If you have a DUI, the best way to get cheap auto insurance is to shop around. Enter your ZIP code into our free online quote comparison tool to compare rates and find the best deals on auto insurance today.

Will auto insurance cover DUI accidents?

Do car insurance companies cover DUI accidents? NOLO notes that some auto insurance companies make the argument that drunk-driving is intentional conduct.

This is important because, although insurance companies will usually cover damages caused by negligent conduct, they will argue that driving while intoxicated is intentional.

If that argument is accepted in court, they won’t cover your damages. Since you chose to get drunk and then drive, damages caused by you — either to other drivers, passengers, or your own damages— will not be covered.

If you weren’t at fault for the accident, it’s more likely your insurance company will cover damages that the other driver’s insurance doesn’t cover.

Avoiding these situations is important for all parties, but can be especially helpful for those who do not drink and drive. Be aware that at night there may be more drunk drivers, especially in the 10 worst cities for drunk driving.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

How high will my insurance rates rise after a DUI?

Even if you didn’t cause an accident when you got a DUI, that DUI will raise your auto insurance rates.

Average Annual Auto Insurance Rates After One DUI
CompaniesAverage Annual Rats with a Clean recordAverage Annual Rates with One DUI
American Family$2,693.61$4,330.24
Liberty Mutual$4,774.30$7,613.48
State Farm$2,821.18$3,636.80
Get Your Rates Quote Now

Compare RatesStart Now →

DUIs are one of the major factors in insurance companies losing money. This is especially true in the worst states for drunk driving, where traffic deaths due to drunk driving can rise above 1,600 per year for an individual state. For that reason and because insurance companies will look at you as a riskier driver to insure, your rates will rise.

One DUI can actually raise your rates by 17 to 127% with major auto insurance companies and that’s even if they’ll cover you at all. If you are convicted of driving under the influence, you may be forced into the secondary, high-risk auto insurance marketplace.

Many states will suspend your license or give jail time, especially for multiple DUI offenses.

How far back do insurance companies check for DUI?

How far back do auto insurance companies look at your record? Most auto insurance companies look back three to five years to see what’s on your driving record, but it varies by state.

For DUIs, insurers may go back 10 years, and your record will go back further with the DMV though most insurers won’t go so far back.

Does GAP insurance cover DUI accidents?

What about GAP insurance? Will it cover damages in a DUI-related accident if drunk driving invalidates insurance?

GAP insurance is in place to cover the difference in how much your insurance company pays out and the amount you still owe on a totaled and leased vehicle. Vehicles depreciate over time, and your insurer goes by current value and not what you paid for the car.

GAP insurance does not cover damages caused by a DUI because your insurer will probably fight a claim entirely if it was caused while you were intoxicated.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Frequently Asked Questions: Does car insurance cover DUI accidents?

Did we miss anything? Take a look at the frequently asked questions below.

#1 – Can I be charged with a DUI after the accident?

Yes, you can be charged with a DUI up to a year after an accident caused by your drunk driving. So, even if nothing happens on-scene, that doesn’t mean you’re off the hook.

#2 – Does Geico cover DUI accidents?

Does Geico, Progressive, USAA, or State Farm cover DUI accidents? For that matter, does Infinity Insurance cover DUI accidents? Does insurance cover drunk driving accidents in Ontario?

Once again, this is up to the discretion of the insurer. If you’re found at fault while drinking and driving, your insurer will likely fight that claim and won’t pay for damages.

But if you’re hit by someone else while you’re intoxicated, it’s more likely that your insurer will pay out since drinking and driving wasn’t the cause of the accident.

Make sure you have the best coverage after a DUI. We can help. Plug your ZIP code into our free quote tool to find the cheapest auto insurance rates personalized for your needs.



Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption