Progressive DUI Insurance
Progressive will insure drivers with DUI violations on their records and can file an SR-22 certificate immediately, if necessary.
Written by Jacqulyn Graber
Reviewed by Kathleen Flear
Progressive is willing and able to insure drivers with a DUI/DWI violation and can even file an SR-22 certificate immediately, if necessary.
Drivers with a history of driving under the influence don’t require a special type of “DUI insurance”. However, many auto insurance companies won’t insure a driver with a DUI conviction on their driving record as it’s a very serious driving violation that raises the driver’s risk profile.
Fortunately, you can typically get insurance from Progressive if you have a DUI or DWI on your record. In this article, we’ll go over how to secure Progressive SR-22 insurance when you have a DUI, what your insurance rates will be like, and how to keep your
car insurance
rates as low as possible. Does Progressive offer DUI auto insurance?
Yes—unlike many other insurance companies, Progressive offers car insurance coverage for drivers with a history of driving violations and points on their records, including speeding tickets, license suspension, and even a recent
DUI
. In short, you don’t have to have a flawless driving history to get approved for Progressive insurance.Keep in mind that there is no such thing as special “DUI auto insurance.” You’ll simply need a regular car insurance policy that meets your state’s minimums (and your lender’s requirements, if you’ve financed your vehicle).
Additionally, depending on your state’s laws, you may need to provide an
SR-22 insurance
certificate to your local Department of Motor Vehicles (DMV) to confirm that you have valid liability insurance. Not all insurance providers are willing and able to provide SR-22s, but with Progressive, you’re in good hands. Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversHow to get Progressive SR-22 insurance
If you’re a current Progressive customer and already have
liability coverage
(and full coverage
, if your lender requires it) and you need an SR-22 certificate for a new DUI violation, simply contact an insurance agent by calling 1-866-749-7436. You can also log into your online portal to request the appropriate documents.Remember that your insurance rates will increase for as long as the DUI is on your driving record. This will last three to five years in most states, but in places like
California
, a DUI can stay on your record for a whopping ten years. You’ll also lose any good driver discount you may have previously been receiving. If you don’t have a current policy with Progressive, you can get a
car insurance quote online
or call 1-866-749-7436 to inquire about your options. If you purchase a policy from Progressive, they will be able to file an SR-22 immediately.Remember that Progressive may not offer the best rates for you. You may find cheaper rates with other popular companies like
USAA
, Allstate
, and State Farm
that are also willing to insure drivers with DUIs. It’s important to take the time to shop around if you want to keep your insurance costs low. How much does Progressive DUI insurance cost?
Unfortunately, we cannot predict exactly what your car insurance rates will be, as policies and prices are incredibly unique to each driver.
However, there’s no denying this basic fact: if you’ve been convicted of driving under the influence, your car insurance premium will go up. DUI drivers are a liability to insure, and many insurance companies will even refuse coverage.
But there’s good news! Progressive doesn’t just insure drivers with a history of drunk driving—they also limit the rate hike to the national average of about 13% after one DUI. This means you’re likely to find lower rates than with other providers.
Another plus: if you have an otherwise
clean driving record
(i.e., one that lacks car accidents and speeding tickets), your rate won’t go up as much as someone with a more colorful driving record. Your age, vehicle, and geographic location can also have a major effect on what your rate hike will look like.Finally, after the DUI falls off of your record in a few years, you should see your rates go down again.
How to find the cheapest car insurance after a DUI
One of the best ways to find affordable car insurance is to take the time to comparison shop. In other words, don’t just accept the first quote you receive. Call around and gather at least three to five to narrow down your best offers. You can save time by using a personal broker app like
Jerry
to compare rates from multiple car insurance companies at once.Another great way to save money is to look for car insurance discounts. While you won’t qualify for any safe driver discounts (you need a flawless driving record to earn these types of savings), you may be able to cash in on an occupational discount, a low mileage discount, a good student discount, or something else!
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How long does a DUI stay on your driving record?
Exactly how long your DUI stays on your record varies from state to state. In some U.S. states, the violation will fall off your record in as little as three years. In fact, in most places, 3-5 years is considered pretty average. However, in states like California, a DUI will stay on your driving record for a whopping 10 years.
Keep in mind that a driving record is separate from a criminal record. Your DUI could stay on your criminal record permanently, even after it falls off of your driving record.
How does a DUI impact your car insurance rates?
Let’s be clear: a DUI conviction will always raise your car insurance rates. However, how severely it affects your rates will depend on a variety of factors, including your car insurance provider, your driving history, your age, and how long ago your DUI conviction was.
Once your DUI falls off of your driving record, you should notice your rates decrease.
