Getting a DUI makes it harder to find car insurance and can raise your rates significantly. In fact, NerdWallet’s recent analysis of third-party data found that a DUI increases auto insurance rates by 93% on average.

But while finding cheap DUI insurance may seem impossible, the trick is shopping around. For instance, out of the nation’s four largest insurers, NerdWallet found that Progressive is the cheapest on average for full coverage insurance if you’ve had a DUI. Policies with full coverage include comprehensive and collision insurance, which pays for damage to your own car from most causes.

» MORE: DWI vs DUI: understanding the difference

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But averages aren’t always a good predictor of the price you’ll pay: Your rates are determined by individual factors like your age and location, and smaller regional insurers might offer better rates than more well-known companies. Getting cheap DUI insurance will take diligence, but comparing quotes can help.

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Nerdy Tip
"DUI insurance” isn’t an official policy you can buy. Rather, “DUI insurance” may refer to auto insurance available to drivers with a DUI on their record.

Cheapest DUI insurance by company
DUI insurance from large companies
To find the lowest prices for drivers with a recent DUI, we looked at large companies that are available in many states and can serve the most consumers.

Here are average monthly rates from the nation’s four largest auto insurance companies for drivers with a recent DUI, ranked from cheapest to most expensive:

Progressive: $184.

State Farm: $205.

Geico: $245.

Allstate: $247.

Note that USAA has even cheaper average rates than Progressive, but wasn’t included in our analysis because it is available only to members of the military, veterans and their families.

» MORE: Allstate, Geico, Progressive or State Farm: Which one is best for you?

DUI insurance from smaller companies
But big companies aren’t your only options. Out of the insurers we have rates for, American National had the cheapest rates on average after a DUI, with drivers paying only $77 a month.

And in many areas, smaller statewide and regional insurers have the cheapest rates. For instance, Indiana Farmers has the second cheapest rates after a DUI in the nation, costing drivers $80 a month on average. However, the company sells policies in only Illinois, Indiana and Ohio.

Our analysis found that in 34 states and Washington, D.C., the lowest rates for a driver with a DUI come from an insurer that doesn’t make the list of the nation’s 10 largest auto insurance companies. So after a DUI, it’s vital to compare car insurance rates and find the cheapest company for you.

» MORE: Get the cheapest car insurance

Cheapest DUI insurance by state
The cheapest car insurance company in one area may not be the cheapest in another.

For instance, in NerdWallet’s analysis:

Geico was the cheapest insurer for drivers with a DUI in Florida, Maryland, Oklahoma and Utah — but the most expensive option in North Carolina and North Dakota.

Farm bureaus: North Carolina and Virginia drivers can find the cheapest insurance on average at their respective state’s farm bureaus, but Texas Farm Bureau was the costliest option in Texas.

Travelers was the cheapest for drivers with a DUI in Delaware, but the most expensive in Massachusetts.

In a majority of states, the least expensive insurer for a driver with a clean record isn't the cheapest after a DUI. In North Carolina, for example, Geico was the cheapest for a driver with no violations but the most expensive company after a DUI, with prices more than five times as much as before.

Check the table below to see which companies have the lowest rates after a DUI where you live.