#1 – Progressive: Top Overall Pick
Pros
- Snapshot Program Rewards Safe Driving: Snapshot program rewards safe driving, helping reduce premiums for DUI drivers. Discover more details in our Progressive insurance review & ratings.
- 20% Bundling Discount: Pennsylvania drivers with a DUI can save on their overall insurance costs by bundling car and home insurance with Progressive.
- A+ Financial Stability: Progressive’s A+ rating ensures DUI car owners in Pennsylvania can rely on the insurer for prompt claims and financial backing.
Cons
- Rates Can Remain High Without Snapshot: Drivers with a DUI in Pennsylvania who don’t participate in Snapshot may face higher-than-average insurance premiums.
- No DUI-Specific Forgiveness: Unlike other insurers, Progressive doesn’t offer a specific forgiveness program for DUI incidents, which can lead to higher long-term costs.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#2 – Geico: Best for Affordable Rates for High-Risk Drivers
Pros
- Affordable Rates for DUI Drivers: Offers competitive rates for DUI drivers in Pennsylvania. Learn more by reviewing our Geico insurance review & ratings.
- A++ Financial Strength: Geico’s superior financial rating ensures Pennsylvania car owners with a DUI will have reliable insurance coverage and claims payments.
- 15% Bundling Discount: Pennsylvania drivers with a DUI can bundle policies and save 15% on insurance, helping to offset increased car insurance costs.
Cons
- Limited Customization: Geico lacks flexible coverage options, which may be a drawback for Pennsylvania car owners with a DUI looking for more personalized insurance.
- No DUI Forgiveness Program: Without a DUI forgiveness option, Pennsylvania drivers could see long-term premium increases with Geico insurance.
#3 – State Farm: Best for Personalized Service
Pros
- Personalized Service: Provides personalized insurance service for Pennsylvania DUI drivers to help reduce premiums. Dive into our State Farm insurance review & ratings for further insights.
- 17% Bundling Discount: State Farm offers Pennsylvania drivers a 17% discount when bundling car insurance, which is helpful for those with a DUI to manage higher rates.
- DUI Resources and Support: State Farm provides Pennsylvania drivers with educational tools to help improve driving habits and potentially reduce insurance rates post-DUI.
Cons
- Lower Financial Stability: With a B rating from A.M. Best, State Farm’s financial stability may be concerning for Pennsylvania drivers with a DUI who need solid insurance backing.
- Higher Premiums for DUI Drivers: Compared to other insurers, State Farm’s car insurance rates for Pennsylvania drivers with a DUI tend to be higher, making it less affordable.
#4 – Allstate: Best for Accident Forgiveness Program
Pros
- Accident Forgiveness Available: Allstate offers accident forgiveness to help prevent premium hikes for Pennsylvania DUI drivers. Get more information from our Allstate Insurance review and ratings.
- 30% Bundling Discount: Allstate offers a large 30% discount for bundling policies, giving Pennsylvania drivers with a DUI significant savings on car insurance.
- A+ Rating for Financial Stability: With an A+ rating, Allstate ensures reliable claims processing for Pennsylvania car owners with a DUI on their insurance.
Cons
- Higher Base Premiums: Pennsylvania drivers with a DUI may face higher starting premiums with Allstate, making it more expensive compared to other insurers.
- Strict DUI Surcharges: Allstate has stricter surcharges for DUI incidents, meaning Pennsylvania car insurance rates may increase sharply for DUI drivers.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#5 – Nationwide: Best for SmartRide Program for Discounts
Pros
- SmartRide Program for Discounts: SmartRide rewards safe driving with discounts for DUI drivers in Pennsylvania. Uncover more insights in our “Does Nationwide offer liability coverage?”
- 20% Bundling Discount: Pennsylvania drivers can reduce their overall insurance costs by bundling home and car insurance, helpful for those with a DUI.
- A+ Financial Rating: Nationwide’s A+ rating ensures Pennsylvania drivers with a DUI can depend on their insurance company for prompt claims payments and stability.
Cons
- Higher Rates Without SmartRide Participation: Pennsylvania drivers with a DUI who don’t use the SmartRide program may continue to face elevated car insurance premiums.
- Lack of Specialized DUI Programs: Nationwide doesn’t offer specific forgiveness or relief for DUI incidents, leaving Pennsylvania drivers with higher insurance costs over time.