The words "affordable" and "insurance" probably shouldn't be used in the same sentence, in particular when you are looking for the best car insurance for drivers with a DUI. Let's take a look at some things that determine insurance prices, and figure out some ideas to take the sting out of your next policy.
The type of vehicle to be insured is one of the primary factors when comparing cheap coverage for drivers with a DUI. Vehicles with more horsepower, poor safety ratings, or a high likelihood of having liability claims will cost much more to insure than more modest models. The next table showcases car insurance rates for the most affordable vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$2,783|
|Honda CR-V EX 4WD||$2,954|
|Hyundai Elantra SE Touring Station Wagon||$2,961|
|Ford F-150 XL Super Cab 2WD||$2,977|
|Ford Edge SEL 2WD||$3,155|
|Toyota RAV4 2WD||$3,218|
|Chevrolet Equinox LT 2WD||$3,225|
|Toyota Camry SE||$3,392|
|Toyota Tacoma Double Cab 4WD||$3,415|
|Dodge Grand Caravan Hero||$3,423|
|Chevrolet Impala LT||$3,415|
|Volkswagen Jetta SE 4-Dr Sedan||$3,455|
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Above prices assume married male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can modify auto insurance rates significantly.
By looking at the data, vehicles like the Ford Escape, Honda CR-V, Hyundai Elantra, and Ford F-150 are likely to be the more affordable vehicles to insure after getting a DUI. Auto insurance rates will trend higher just due to the fact that there is more claim exposure for drivers with a DUI, but overall those particular models will tend to have the cheapest rates available.
Figuring out which company has the lowest-priced auto insurance rates for drivers with a DUI calls for a tad more effort than just picking a company at random.
Each auto insurance company has a unique formula to establish rates, so let's take a look at the overall cheapest auto insurance companies in Buffalo.
Find the Best Cheap Insurance after a DUI
|Rank||Company||Cost Per Year|
|11||New York Central Mutual||$1,874|
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USAA offers some of the cheapest car insurance rates in Buffalo at around $1,199 per year. Erie, Travelers, Utica National, and Progressive also make the cut as some of the lowest-priced Buffalo, NY auto insurance companies.
As illustrated above, if you are insured with Progressive and switched to Erie, you may realize yearly savings of about $324. Drivers with Amica may save as much as $362 a year, and Allstate customers might cut rates by $370 a year.
To see if you're overpaying, click here to begin a quote or feel free to get quotes from the companies below.
It's important to note that these policy prices are averages for all types of drivers and the different vehicles they drive and and are not calculated with a specific location for drivers with a DUI. So the company that fits your situation best may not even be in the top 20 companies in the list above. That's why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
The chart below highlights how deductible selection can increase or decrease insurance costs when researching cheap insurance for drivers with a DUI. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
In the chart above, a 40-year-old driver could reduce rates by $250 a year by changing from a $100 deductible to a $500 deductible, or save $376 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could possibly save up to $838 each year just by choosing higher deductibles when buying full coverage. When using a larger deductible, it's a good idea to have additional savings on hand to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Discount Buffalo insurance
Auto insurance companies that offer quotes for drivers with a DUI may also provide discounts that may potentially lower prices by 40% or more if you are eligible to receive them. Larger auto insurance companies and some of their more popular discounts are included below.
- Farmers Insurance has savings for alternative fuel, pay in full, youthful driver, homeowner, mature driver, teen driver, and business and professional.
- Esurance may have discounts that include anti-lock brakes, defensive driver, Switch & Save, paid-in-full, emergency road assistance, online quote, and homeowner.
- State Farm offers discounts including Steer Clear safe driver discount, multiple policy, safe vehicle, good driver, and good student.
- GEICO may offer discounts for multi-policy, emergency military deployment, military active duty, defensive driver, good student, and five-year accident-free.
- Allstate includes discounts for anti-lock brakes, good payer, eSmart discount, EZ pay plan discount, teenSMART discount, and 55 and retired.
The illustration below visualizes the comparison of insurance rates with and without discounts being applied to the rates. The data assumes a male driver, one violation and no accidents, New York state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, paid-in-full, multiple vehicle, paperless filing, anti-theft, and marriage discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for drivers with a DUI is 28% or $473.
Safe drivers pay less for auto insurance
The common sense way to maintain the most affordable auto insurance premiums in New York after getting a DUI is to be a careful driver and avoid tickets and accidents. The chart below demonstrates how traffic citations and fender-benders impact insurance costs for each different age group. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
In the chart above, the average cost of car insurance in New York per year with no accidents and a clean driving record is $931. Get written up for one speeding ticket and the average cost hikes up to $1,084, an increase of $152 each year. Now add two accidents along with the one speeding ticket and the annual cost of auto insurance for drivers with a DUI goes up to an average of $2,489. That's an increase of $1,558, or $130 per month, just for not driving attentively!
The Buffalo auto insurance agencies shown below can help you decide which car insurance company is the best fit, since some drivers wish to get help from a professional when shopping for the best coverage after getting a DUI. It's not always simple to find the cheapest rates, so using a licensed agent can provide peace of mind knowing your policy gives you adequate protection in case of an accident or claim.
To find an agent closest to you, click the button at the bottom.
MandT Insurance Agency Inc.
285 Delaware Ave - Buffalo, NY 14202 - (716) 853-7960
Dan Schmidt - State Farm Insurance Agent
615 Elmwood Ave - Buffalo, NY 14222 - (716) 783-9460
Marc Scherrer - State Farm Insurance Agent
2165 Sheridan Dr - Buffalo, NY 14223 - (716) 875-0524
P.A.G. Agency Inc
1660 Kensington Ave - Buffalo, NY 14215 - (716) 835-3221