Progressive DUI Insurance: Is It Worth It? (2023 Guide) – Automoblog

Here we showcase the latest makes and models, often before they hit the market. We also report on other significant announcements in the automotive industry.
Whether you’re shopping for a new car, looking for the latest products, or wanting something to spruce up the man cave, you’ll find our review of it here.
This is us talking shop and talking cars. Sometimes we go in-depth and analyze something, or we talk about car history or motorsports, or maybe we’re just giving our thoughts on something in the automotive industry.
Progressive is known as one of the best car insurance companies for drivers with DUI violations because of its affordable rates and coverage options.
Enter your zip code and answer a few simple questions to find the best rates in your area.
Crash Course:
Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products below.
While there’s no such thing as an official Progressive DUI insurance policy, Progressive is one of the most well-known companies for offering car insurance with fair rates to high-risk drivers. In this article, we’ll explore Progressive’s coverage options and costs for DUI drivers and ways that drivers can save. We’ll also provide you with additional car insurance companies worth considering while shopping around for coverage.
No car insurance companies offer policies called “DUI insurance.” However, the phrase has become standard within the industry to call attention to the incident when shopping for car insurance.
A DUI (driving under the influence) offense occurs when a driver is caught with a blood alcohol content (BAC) level of 0.08% or higher. Depending on the state, you could face stiff penalties, including fines and a suspended or revoked driver’s license. You could also be liable for damages caused if you cause an accident while driving under the influence.
The length of time that a DUI stays on a person’s record varies from state to state. In most states, DUIs remain on driving records for three-to-five years. In California, DUIs can stay on a person’s record for up to 10 years, which means ten years of high car insurance rates.
Progressive is known for providing some of the best rates for drivers with DUIs. However, there’s no official “DUI insurance” policy. If you’re a DUI driver who wants insurance from Progressive, you must apply for a standard auto insurance policy.
When applying for coverage, you’ll be asked about your driving history. Be honest and upfront about your DUI conviction. Not disclosing this information could result in your policy being canceled or voided.
Progressive can also file an SR-22 on your behalf. An SR-22 is an auto insurance bond and certificate that proves you have the minimum amount of car insurance required by your state. If you’re required to have SR-22 insurance, Progressive can file it for you without you having to take any additional steps.
Progressive will cover you for a DUI accident up to the limits of your policy for any accident, regardless of fault or if you were under the influence of alcohol or drugs. Damage to your car or someone else’s property is also covered.
While Progressive DUI insurance rates are considered some of the best in the industry, they are still higher than what normal drivers would pay. Our research shows that Progressive insurance costs for a DUI driver average around 30% more than a full coverage policy. The average 35-year-old driver with a DUI pays $2,328 for a full coverage policy, while a good driver pays an average of $1,611 per year.
Drivers convicted of DUIs can expect their car insurance rates to increase significantly. In some cases, rates could double or even triple because DUI drivers are more likely to get into accidents, file claims, or bring lawsuits.
The table below shows Progressive DUI insurance costs compared with other leading car insurance providers.
*Results in the table are based on the profile of a 35-year-old male driver.
Just because you’ve been convicted of drunk driving doesn’t mean you can’t find affordable coverage. There are options available to get you the coverage you need without breaking the bank. Here are a few tips to help you get started:
Progressive is a fair car insurance company for DUI drivers, but it’s not the only company that will accept them. To find the best deal, it’s important to compare quotes from at least three or more different providers. Most insurers will offer free car insurance quote tools, or you can enter your zip code and driving history information into online comparison tools. You can also call insurance agents directly.
There are plenty of Progressive auto insurance discounts that DUI drivers may benefit from:
Usage-based insurance is a type of policy that charges you based on your driving habits, usually through a plug-in device or an app. This is a great option for people who don’t use their car often, or for high-risk drivers who want a better shot at lowering their car insurance rates.
Progressive has a usage-based program called Snapshot that monitors:
Drivers who score well in the Snapshot program could save as much as $156 per year. It’s a good option for drivers who have been in at-fault accidents or gotten multiple speeding tickets and DUIs/DWIs.
If you struggle to find affordable coverage, you can try a non-owners policy. This policy does not cover a vehicle, but provides liability coverage for you if you use a motor vehicle that is owned by another person. This could be a good option if you don’t often drive or only drive occasionally. Another alternative is to get coverage through your credit union or employer. Some employers offer group auto insurance rates, which can be cheaper than individual rates.
One of the best ways to get affordable coverage is to practice safe driving. You’ll be viewed as a lower-risk driver if you can avoid accidents and any more traffic violations. This could help you get cheaper rates. 
Progressive is a solid choice if you are a DUI driver looking for affordable car insurance coverage. The company offers some of the lowest rates in the industry for high-risk drivers. The best way to find out whether you will qualify for coverage and how much you will pay is to request quotes directly from Progressive.
While your rates will surely be higher compared to someone without a DUI on their driving history, there are insurance companies out there that are willing to work with someone with a DUI violation. In addition to Progressive, we have a few recommendations for companies that could offer cheap car insurance for DUI drivers.
Enter your zip code and answer a few simple questions to find the best rates in your area.
GEICO is one of the most popular insurance companies for several reasons. On top of offering great coverage options with a wide range of discounts, GEICO boasts a robust A++ financial standing from AM Best and a user-friendly mobile app. Some of its extras include roadside assistance, rental reimbursement and accident forgiveness.
GEICO offers policyholders discounts such as:
Keep reading: GEICO car insurance review
State Farm is a reliable and well-known company that offers a wide range of coverage options and discounts. The company’s add-on coverages include rental coverage, travel expense, roadside assistance, rideshare coverage and classic car insurance. In our review, State Farm scored an impressive 4.7 out of 5.0.
State Farm also offers discounts that can be helpful to DUI drivers, such as:
Keep reading: State Farm car insurance review
USAA is an excellent choice for military families. The company has an excellent financial rating and offers 24/7 customer support. In our review, USAA scored 4.6 out of 5.0. Some of its perks include accident forgiveness, gap insurance, rideshare coverage and classic car insurance.
On top of giving its policyholders discounts for bundling home or renters’ insurance with auto coverage, USAA provides other savings opportunities, such as:
Keep reading: USAA car insurance review
Below are frequently asked questions about Progressive DUI Insurance:
There is no such thing as DUI insurance in the technical sense. However, some companies offer car insurance to drivers who have been convicted with DUIs. Many companies also offer an SR-22, which is a certificate of financial responsibility that proves a driver has the minimum liability coverage required by their state. If you’ve been convicted of a DUI, you may be required to get an SR-22 and file it with your state DMV.
Having a DUI can raise your insurance rate significantly. Car insurance companies consider drivers with DUIs to be more likely to drive drunk, get into car accidents, file claims or get involved in lawsuits. To offset the financial risk, insurers either reject DUI drivers for coverage or raise their rates very high.
There is no official cost to DUI insurance, because there is no such thing as an official DUI insurance policy. Drivers with DUIs can get insured by certain companies, but costs will vary across providers. Progressive’s national average for full coverage car insurance for 35-year-old male DUI drivers is $2,328. GEICO’s is $3,376 and State Farm’s is $2,180.
There are some ways to get cheaper DUI insurance. You can shop around and compare rates from different companies, take advantage of special car insurance discounts or try usage-based insurance programs, which monitor your driving habits and award you with discounted premiums if those habits are safe.
Your insurance provider should cover you up to the limits of your policy for an accident, regardless if you were under the influence of drugs or alcohol. This also includes if your car was damaged in an accident or you injured someone else or damaged their property.
In New York, convictions for operating a motor vehicle under the influence of alcohol or drugs stay on your record for 15 years from the date of conviction. Convictions for DWAI (driving while ability impaired) are displayed for ten years.
In California, DUIs remain on your record for 10 years. This means that a DUI conviction will affect your car insurance for a decade.
Most insurers require drivers to disclose any driving conviction within the last five years when getting a quote. In addition, you must tell your insurer if you get a new drunk-driving conviction while you have an active motor insurance policy.
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
Enter your zip code to shop for the best rates in your area:
On Our Partner’s Website


Leave a Reply

Call Support:



Useful Links


Top Model Escorts. All rights reserved.