The words “affordable” and “insurance” really shouldn’t be used in the same sentence, in particular when you are searching for the lowest insurance rates for drivers with a DUI. In an attempt to save some money, let’s teach you some things that determine insurance rates, and see if we can help you cut the cost of the next policy you buy.
The type of vehicle on the policy is one of the largest considerations that determines if you can find the best cheap insurance for drivers with a DUI. Vehicles with lower acceleration and performance, good safety features, or a track record of few liability claims will cost quite a bit less to insure than fast, unsafe models. The information below features insurance premiums for the cheaper automobiles to insure in Tennessee.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,414 |
| Ford Escape XLS 4WD | $1,421 |
| Hyundai Elantra GLS Touring Station Wagon | $1,542 |
| Toyota Prius | $1,568 |
| Honda CR-V EX-L 4WD | $1,580 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,586 |
| Ford Explorer XLT 2WD | $1,592 |
| Ford Focus S 4-Dr Sedan | $1,641 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,690 |
| Dodge Grand Caravan SXT | $1,708 |
| Jeep Grand Cherokee Limited 2WD | $1,795 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,803 |
| Ford F-150 XLT Super Cab 4WD | $1,812 |
| Toyota RAV4 Sport 2WD | $1,824 |
| Honda Civic EX-L 4-Dr Sedan | $1,847 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,862 |
| Chevrolet Malibu Hybrid | $1,873 |
| Chevrolet Equinox LS 2WD | $1,879 |
| Chevrolet Impala LT | $1,873 |
| Nissan Altima 2.5 4-Dr Sedan | $1,879 |
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in Memphis, TN location which can impact insurance rates considerably.
By looking at the data, you can presume that makes and models like the Honda Accord, Ford Escape, Hyundai Elantra, Toyota Prius, and Honda CR-V are most likely going to be a few of the less-costly vehicles to insure after getting a DUI.
Finding reliable, reasonably-priced car insurance is hard enough, and deciding which companies quote the best insurance rates for drivers with a DUI will take even more diligence. Every auto insurer uses their own method to set policy rates, so first let’s look at the rankings for the insurance companies with the most affordable rates in Tennessee.
It’s a good idea to know that Memphis, TN insurance rates are calculated based on many things which can substantially change the price you have to pay for coverage. Things like having a birthday, having a teen driver, or getting a reckless driving citation can trigger price changes resulting in some companies being higher when they were quite affordable.
Cheap Insurance Rates after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $737 |
| 2 | Auto-Owners | $852 |
| 3 | Cincinnati Insurance | $876 |
| 4 | Penn National | $899 |
| 5 | USAA | $947 |
| 6 | Tennessee Farmers | $961 |
| 7 | Erie | $997 |
| 8 | Nationwide | $1,012 |
| 9 | Allied | $1,029 |
| 10 | Westfield | $1,037 |
| 11 | GEICO | $1,156 |
| 12 | Shelter | $1,187 |
| 13 | Travelers | $1,213 |
| 14 | State Farm | $1,213 |
| 15 | Direct General | $1,214 |
| 16 | Progressive | $1,226 |
| 17 | State Auto | $1,254 |
| 18 | The Hartford | $1,258 |
| 19 | 21st Century | $1,300 |
| 20 | Chubb | $1,329 |
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Utica National normally has some of the lowest car insurance rates in Memphis at around $737 each year. Auto-Owners, Cincinnati Insurance, Penn National, and USAA are also some of the lowest-priced Memphis, TN car insurance companies.
In the above example, if you are insured with Cincinnati Insurance and switched to Utica National, you may see annual savings of upwards of $139. Policyholders with Penn National may save as much as $162 a year, and USAA policyholders might lower prices by $210 a year.
To see how much you can save, click here to get a free quote or quote prices from the following companies.
It’s important to note that these estimates are averaged across all drivers and vehicles in Tennessee and and are not calculated with an exact zip code location for drivers with a DUI. So the auto insurance company that is best for you may not even be in the top 30 companies in the list above. That helps illustrate why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
Get discount Memphis auto insurance rates
Auto insurance companies that provide policies for drivers with a DUI could also offer discounts that could reduce prices by 25% or more if you are eligible. A list of insurance companies and a selection of discounts are included below.
- American Family may offer discounts for bundled insurance, air bags, Steer into Savings, multi-vehicle, good driver, TimeAway discount, and good student.
- State Farm offers discounts including anti-theft, Drive Safe & Save, passive restraint, student away at school, defensive driving training, Steer Clear safe driver discount, and driver’s education.
- 21st Century policyholders can earn discounts including teen driver, early bird, homeowners, anti-lock brakes, and student driver.
- Travelers may have discounts that include home ownership, good student, multi-policy, payment discounts, new car, and student away at school.
- GEICO includes discounts for anti-theft, emergency military deployment, membership and employees, five-year accident-free, multi-policy, daytime running lights, and defensive driver.
The illustration below shows the comparison of insurance costs with and without discounts. The data is based on a female driver, a clean driving record, no claims, Tennessee state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, defensive driving course, anti-theft, vehicle safety, passive restraint, and claim-free discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for drivers with a DUI is 27% or $398.
Buying coverage from the best company is difficult considering how many different insurance companies sell coverage in Memphis. The ranking data listed below can help you choose which car insurance companies to look at comparing price quotes from.
The rankings below only include the largest companies in America, so companies without a large exposure are not included in the list. If you wish to compare rates from the insurers below and more, simply click here.
Top 10 Major Auto Insurance Companies in Memphis Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- AAA Insurance
- Titan Insurance
Top 10 Major Auto Insurance Companies in Memphis Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Don’t make the mistake of not shopping around
Memphis, TN insurance rates are impacted by many things which can substantially change the cost of your policy. Simply improving your credit, marrying your spouse, or getting a DUI can trigger changes in premium resulting in some rates now being cheaper in comparison to the competition. In addition to those changes, insurance companies change prices every year to adjust for unexpected claims or profits. Higher than normal claims can result in higher rates, while lower claims can cause lower-priced Memphis car insurance rates.
As an example, the bar chart below shows the cheapest car insurance in Memphis, TN for a 30-year-old female driver with a clean driving record, no accidents, and great credit. If we estimate prices based on her current risk factors, Utica National quotes the best car insurance rates in Memphis at $1,070 a year. This is $258 less than the average rate paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers are the remaining top five cheapest Memphis, TN auto insurance companies.
In this example, we will give the driver from the first set of rates an accident surcharge, less-than-perfect credit, and a traffic ticket or two. Since every car insurance company has a different formula for setting prices, analyzing rate quotes most likely will result in a completely different list of the cheapest Memphis car insurance companies as shown below.
Erie now has the best price in Memphis with Nationwide, Allied, Westfield, and GEICO also having competitive pricing. This illustrates why Memphis drivers need to do a thorough rate comparison to find the lowest insurance rates for drivers with a DUI.
Prices consist of many different factors and change substantially, so the best price the last time you shopped around may now be one of the more expensive options.
How to find economical auto insurance for drivers with a DUI
Here are some penny-pinching suggestions that can help Tennessee drivers get more affordable auto insurance.
- Drive vehicles with five-star safety ratings
- Avoid getting citations and tickets
- Bundle car and home insurance and save money
- Discounts for being claim-free can be substantial
- Do not get into accidents that are your fault
- Comparison shop frequently
The last item on the list is incredibly valuable, as we noted in the prior information. Prices charged by companies adjust frequently, so don’t be tentative to buy a different policy if a lower-cost policy is available. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that stubbornness costs you a fortune every year. Spend a few minutes and shop around and find cheaper car insurance for drivers with a DUI in Memphis.