Compare · Updated August 2026
Best DUI Car Insurance by State
Most states use a standard SR-22 after a DUI; Virginia and Florida use the stricter FR-44. Here's how to find your state's specifics.
Two Forms, Depending on Your State
Everywhere except Virginia and Florida, a DUI typically triggers a standard SR-22 filing — see DUI & SR-22 Insurance for the general rules. In Virginia and Florida, DUIs typically trigger an FR-44 instead, which requires roughly double the standard minimum liability coverage — see FR-44 Insurance.
Find Your State
Shopping Tips That Apply in Every State
- Get quotes from at least one dedicated high-risk specialist and one broader carrier — see best car insurance after a DUI.
- Confirm whether your state uses SR-22 or FR-44 before assuming your coverage minimum — Virginia and Florida residents specifically should check FR-44 requirements.
- Ask each quote whether the filing is included, so you're comparing full, comparable numbers.
Quick Answers
Does every state require the same duration after a DUI?
Most default to three years, but your specific court order controls — see how long you need it.