Finding cheap auto insurance after an accident or DUI can feel almost impossible. Your rates shoot up, companies treat you like a high-risk driver, and suddenly the affordable premiums you once enjoyed disappear. But here’s the good news—you can still find cheap auto insurance, even with a blemish on your driving history.

This blog post breaks down everything you need to know, step by step, in a simple, friendly, and easy-to-follow way. Whether you’re dealing with recent damage, a major claim, or a DUI charge, the tips below will help you recover your driving confidence and your wallet.

Why Auto Insurance Gets Expensive After an Accident or DUI

Insurance companies love low-risk drivers. When an accident or DUI enters your record, they instantly see you as a higher risk to insure. That means:

• Higher monthly or yearly premiums
• Fewer available discounts
• Limited policy options
• Possible cancellation from your current insurer

This can feel discouraging, but remember—high rates aren’t permanent. Insurance is all about risk, and risks can change.

Here’s How to Find Cheap Auto Insurance After an Accident or DUI

Let’s break it down into real, actionable steps you can take today.

1. Shop Around—Don’t Stick to One Insurer

Once your record changes, your old insurer might no longer give you the best deal. Different insurance companies evaluate risk differently. That means:

• One insurer may penalize heavily.
• Another may barely increase your rate.
• A third might specialize in high-risk drivers

Use comparison websites, call agents directly, and request multiple quotes. You’ll be surprised at how much prices can vary.

2. Look for Companies That Specialize in High-Risk Drivers

Not all insurance companies accept drivers with DUIs or recent accidents. However, some companies actually focus on them and offer cheaper premiums.

These insurers understand:

• SR-22 filings
• DUI rehabilitation programs
• High-risk coverage

This often results in a more flexible and affordable policy.

3. Ask for SR-22 Assistance if Required

After a DUI, many states require an SR-22. This is basically a certificate proving you carry the required insurance.

Some companies make SR-22 coverage complicated and expensive, but others offer:

• Low filing fees
• Fast processing
• Combined policy discounts

Choose an insurer that handles SR-22 paperwork in-house to avoid extra costs.

4. Consider Raising Your Deductible

A higher deductible = lower monthly premiums.

This strategy works well if:

• You can manage paying the deductible out of pocket.
• You want to reduce monthly expenses immediately.

Just make sure you set a deductible amount that won’t stress your finances.

5. Reduce or Remove Optional Coverage

If you’re already struggling to pay higher premiums, simplify your policy:

• Remove rental reimbursement
• Lower roadside assistance
• Skip glass repair coverage
• Reduce comprehensive or collision if your car is older.

Only keep what you truly need, nothing extra.

6. Improve Your Driving Record Moving Forward

Insurance companies love consistency. Even if you have a DUI or accident now, you can rebuild your reputation.

Do things like:

• Drive safely and avoid new violations
• Complete a defensive driving course
• Take a state-approved DUI education program.
• Install a car monitoring device (many insurers give discounts).

The cleaner your record becomes, the cheaper your insurance gets.

7. Look for Every Discount You Can Get

Most drivers don’t realize how many discounts insurance companies actually offer. Even high-risk drivers can save big.

Ask for discounts like:

• Good student discount
• Multi-car discount
• Safe driver telematics program
• Pay-in-full discount
• Paperless billing
• Military or association discounts
• Home and auto bundle

Discounts add up fast.

8. Consider Switching to a Usage-Based Insurance Plan

If you don’t drive much, consider a pay-per-mile insurance plan. This can drastically lower your monthly premium because you only pay for:

• Miles driven
• Your driving habits
• Your time on the road

This option is perfect for people who work from home or only use their car occasionally.

9. Join Your Parent’s or Spouse’s Insurance Policy

Being added to someone else’s policy can sometimes lower your rate dramatically.

This works best when:

• The other person has a clean driving record.
• They don’t mind you being added.
• Their insurer accepts high-risk drivers.

You’ll still pay more than the others on the policy, but far less than buying your own standalone plan.

10. Consider a Cheaper or Older Vehicle

High-risk drivers get cheaper insurance when they drive cheaper cars.

Insurance costs depend on:

• Vehicle age
• Repair cost
• Safety ratings
• Theft rates

If you recently switched to a cheaper car, you’ve already done half the work!

11. Evaluate Non-Standard Auto Insurance Providers

Non-standard insurers are companies that cater to:

• High-risk drivers
• Uninsured drivers
• Drivers with multiple violations
• Drivers with DUIs

These companies might not be household names, but they can be significantly cheaper.

12. Ask Your Current Insurer for a Re-Evaluation

Sometimes your insurer will reassess your risk level after:

• Completing a driving course
• Installing a dashcam
• Enrolling in a telematics program
• Paying your premiums on time

It never hurts to call and ask.

How Long Will High Rates Last After an Accident or DUI?

Generally:

• Accidents remain on records for 3 to 5 years.
• DUIs remain for 5 to 7 years
• Serious DUIs can last longer depending on the state.

But here’s the best part…

Your rates will drop sooner if you maintain a clean record.
Insurance companies always reward improved behavior over time.

Can You Get Insurance at All After a DUI?

Yes—definitely.

You may pay more upfront, but as long as you:

• Meet all state requirements
• Complete DUI programs
• Maintain your SR-22.
• Drive responsibly.

…you’ll still be approved for coverage.

How to Lower Your Rates Faster

Here are quick, real-world actions you can take immediately:

• Pay on time every month.
• Avoid traffic tickets.
• Keep your credit score high.
• Park your car in a protected area
• Ask your insurer to re-run your record yearly.

These small steps add up and help you return to normal insurance rates faster.

Conclusion

Finding cheap auto insurance after an accident or DUI doesn’t have to feel overwhelming. Even when your record isn’t perfect, you still have several effective ways to lower your premium, compare better options, earn discounts, and rebuild your driving credibility.

With consistency, smart policy choices, and a little bit of patience, you can bounce back and get back on the road without draining your wallet.