The vehicle model that is being insured is probably the biggest factor when comparison shopping for the most economical auto insurance for drivers with a DUI. Vehicles with more horsepower, a lack of modern safety features, or a history of substantial liability claims will cost much more to insure than safer models.
The next table shows auto insurance premiums for a handful of the cheapest automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,377 |
| Honda CR-V EX 4WD | $1,408 |
| Ford Escape XLS 2WD | $1,519 |
| Ford Explorer XLT 4WD | $1,542 |
| Honda Accord LX-P 4-Dr Sedan | $1,599 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,662 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,675 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,720 |
| Nissan Rogue SL 2WD | $1,747 |
| Chevrolet Malibu LTZ | $1,751 |
| Ford F-150 Lariat Crew Cab Harley 2WD | $1,756 |
| Jeep Grand Cherokee Limited 2WD | $1,751 |
| Ford Fusion Sport 4-Dr Sedan | $1,760 |
| Ford Edge SE 2WD | $1,753 |
| Toyota Prius | $1,778 |
| Get a Custom Quote Go | |
Table data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in specific garaging location which can impact price quotes significantly.
Based upon the rates shown, we can assume that vehicles like the Hyundai Elantra, Honda CR-V, and Ford Escape should be a few of the most economical vehicles to insure after getting a DUI. Rates will be higher anyway just due to the fact that there is a higher risk for drivers with a DUI, but generally speaking those particular vehicles will probably have the cheapest car insurance rates available.
Establishing which company has the cheapest auto insurance rates for drivers with a DUI involves a bit more work in order to find the lowest price quote.
Every insurance company has their own process to set premium rates, so we’ll take a look at the most affordable auto insurance companies in Riverside.
Best Insurance Companies after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,542 |
| 10 | Allstate | $1,543 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,966 |
| View More Rates Go | ||
USAA quotes some of the best car insurance rates in Riverside at around $1,109 each year. Century National, Wawanesa, CSAA, and Nationwide also are some of the best Riverside, CA auto insurance companies.
As the rates illustrate above, if you are a policyholder with Century National and switched to USAA, you could realize a yearly savings of around $69. Drivers with Wawanesa may save as much as $83 a year, and CSAA insureds might realize rate reductions of up to $113 a year.
Bear in mind that those policy rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific vehicle garaging location for drivers with a DUI. So the auto insurance company that can offer you the best price may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own driver and vehicle profiles.
The example below illustrates how your choice of deductibles can raise or lower premium costs when researching cheap insurance for drivers with a DUI. The premium estimates are based on a single male driver, comp and collision included, and no discounts are applied.
In the chart above, a 50-year-old driver could pocket $362 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $546 by using a $1,000 deductible. Even younger drivers, like the 20-year-old category, could roll back prices $1,190 annually by choosing larger deductibles on their policy. When choosing a higher deductible, it will be important to have plenty of savings on hand to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Safe drivers pay less for auto insurance
One of the best ways to find the best auto insurance rates in Riverside after getting a DUI is to drive safe and avoid traffic citations and accidents. The example below illustrates how violations and accidents can affect car insurance rates for each age group. The price estimates are based on a single female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of auto insurance in Riverside per year with no accidents or violations is $2,199. Add in two speeding tickets and the average cost hikes up to $2,951, an increase of $752 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for drivers with a DUI goes up to an average of $5,726. That’s an increase of $3,527, or $294 per month, just for not being a responsible driver!
Discounts on Riverside car insurance
Car insurance companies that provide coverage for drivers with a DUI may also provide policy discounts that may potentially lower prices by 40% or more if you meet specific criteria. A few of the larger companies and some of their more popular discounts are:
- State Farm offers discounts for multiple policy, driver’s education, student away at school, anti-theft, and safe vehicle.
- Liberty Mutual offers discounts including newly retired, teen driver discount, new move discount, multi-car, good student, safety features, and hybrid vehicle.
- American Family may offer discounts for early bird, TimeAway discount, good student, multi-vehicle, and Steer into Savings.
- Progressive has savings for homeowner, continuous coverage, multi-vehicle, good student, online signing, online quote discount, and multi-policy.
- Farmers Insurance includes discounts for mature driver, business and professional, switch companies, distant student, bundle discounts, and alternative fuel.
- Auto-Owners Insurance discounts include anti-lock brakes, group or association, company car, teen driver, safe vehicle, and anti-theft.
- SAFECO may have discounts that include drive less, teen safety rewards, multi-car, bundle discounts, safe driver, and accident prevention training.
The illustration below shows the difference between insurance rates with and without policy discounts. The premium estimates are based on a male driver, one citation and no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, paid-in-full, multiple vehicle, homeowner, paperless filing, and vehicle safety discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for drivers with a DUI is 28% or $723.