Cars With the Highest DUI Rates (2026)

The financial fallout of a driving under the influence (DUI) conviction stretches far beyond fines and court fees. A DUI can elevate insurance costs for years. Nationally, drivers with a single DUI pay an average of $2,875 per year for full-coverage car insurance, 28% more than rates for incident-free drivers, according to Compare.com data.

But some vehicles appear to attract drivers who engage in riskier behaviors, such as driving under the influence, speeding, or aggressive driving.

Compare.com’s data scientists analyzed more than 58 million insurance quotes from our proprietary database to identify the 10 models with the highest share of drivers with a DUI in 2026.

Our findings show impaired driving isn’t limited to flashy luxury or performance cars. In fact, five different body types show up in our top 10: coupes, SUVs, sedans, a pickup, and a minivan. This signals that impaired driving can happen across every type of vehicle.

Perhaps surprisingly, our analysis found America’s bestselling minivan, the Chrysler Pacifica, makes the list.

Key Findings

• Minivan drivers face the steepest post-DUI premium increase, paying 58% more on average.

• The BMW 4 Series, a compact luxury model, has the highest share of drivers with a DUI of any vehicle. Nearly 1 in 23 (4.3%) 4 Series drivers report receiving a DUI within the past three years.

• BMW models account for three of the 10 vehicles with the highest DUI rates.

• Drivers with a clean driving record pay an annual average of $2,241 for full coverage, but a DUI increases average rates by $634 per year.

• Among the most popular vehicles sold in 2025, the Tesla Model Y has the lowest share of drivers with a DUI, at 0.3%.

Top 10 Vehicles With the Highest DUI Rates

Almost one-third (32%) of all traffic fatalities include a drunk driver, according to the National Highway Traffic Safety Administration (NHTSA).^[1] Compare.com data reveals that roughly 8 in 1,000 drivers (0.77%) have received a DUI in the past three years. On average, those drivers see a $634 annual rate increase for full-coverage auto insurance.

The BMW 4 Series has the highest share of drivers reporting a DUI, at 4.3%. But the Chrysler Pacifica delivered perhaps one of the more surprising findings. Our analysis found that drivers of the family-friendly Pacifica have a DUI rate of 2.7%. This means that about 1 in 37 Pacifica drivers report having a DUI within the past three years.

Driver-monitoring technology is common across the sedans, SUVs, pickups, and minivans on our list. Eight of the 10 vehicles offer some form of driver-attention or drowsiness monitoring that flags fatigue and distraction. But this technology can’t mitigate the risk of driving impaired.

1. BMW 4 Series

• DUI likelihood: 43 out of 1,000 drivers

• DUI rate vs. national average: 5.6x higher

• Average annual premium with a DUI: $4,831

• Average post-DUI premium increase: 41%

The 4 Series has the highest share of drivers with a DUI among all vehicles in Compare.com’s quote database, at 4.3%. Compared to the national rate for all vehicles, 4 Series drivers are 5.6 times as likely to report a DUI. After receiving a DUI, drivers can experience an average rate increase of 41%, or about $118 per month.

The base model 430i Coupe sports a 2.0-liter turbocharged four-cylinder engine and goes from 0 to 60 mph in 5.6 seconds. With higher models reaching 4.2 seconds, these vehicles may attract more thrill-seeking drivers. The 4 Series also stands out across other measures of driving risk, ranking at the top of our list for drivers with the highest share of accidents and speeding tickets.

2. Chevrolet Blazer

• DUI likelihood: 38 out of 1,000 drivers

• DUI rate vs. national average: 4.9x higher

• Average annual premium with a DUI: $3,963

• Average post-DUI premium increase: 57%

The Chevrolet Blazer is one of three SUVs on our list. It has the highest DUI rate in the class, with 3.8% of Blazer drivers reporting a DUI in the past three years. After a DUI conviction, car insurance rates increase by an average of 57% for Blazer drivers, adding about $120 per month to premiums.

The Blazer’s 308-horsepower V-6 engine, selectable Sport mode, and available twin-clutch AWD give drivers ample power and responsive handling. The RS trim adds oversized wheels, dual exhaust, and sporty styling, features that make it easier for drivers to reach and maintain higher speeds.

3. BMW 8 Series

• DUI likelihood: 38 out of 1,000 drivers

• DUI rate vs. national average: 4.9x higher

• Average annual premium with a DUI: $5,009

• Average post-DUI premium increase: 9%

Despite ranking near the top for DUI shares, at 3.8%, 8 Series drivers experience the smallest insurance rate increase after a DUI conviction, with average premiums rising just 9%. One reason for the smaller increase could be that the 8 Series’ premiums already reflect a higher financial risk related to its costly repairs, advanced technology, and high-end materials.

The M850i xDrive has a 523-horsepower V-8 and can reach 60 mph in 3.7 seconds.

4. Chevrolet Bolt EUV

• DUI likelihood: 37 out of 1,000 drivers

• DUI rate vs. national average: 4.8x higher

• Average annual premium with a DUI: $5,249

• Average post-DUI premium increase: 91%

The Bolt EUV is the only fully electric SUV in our top 10 list, yet 3.7% of its drivers report a DUI within the last three years. On average, Bolt rates increase by 91% after a DUI, bringing monthly insurance costs up by $209.

Discontinued in 2023, the Chevrolet Bolt EUV originally had a starting price below $30,000 and a 247-mile EPA range. Loaded with driver-assistance safety technology and a 65 kWh battery pack, the Bolt EUV weighs about 3,700 pounds. It’s relatively light for an EV, though its battery pack still adds substantial weight compared to gas-powered cars of similar size.

Chevrolet brought the Bolt back for a limited 18-month production run for 2027. Although Chevrolet dropped the EUV name, the redesigned Bolt retains the crossover-inspired body shape of the EUV.

5. BMW 2 Series

• DUI likelihood: 34 out of 1,000 drivers

• DUI rate vs. national average: 4.4x higher

• Average annual premium with a DUI: $4,945

• Average post-DUI premium increase: 58%

Compared to the 4 and 8 Series models, this luxury coupe has a lower DUI rate of 3.4%.

The sporty and compact BMW 2 Series is the smallest of the three BMWs on our list and serves as an entry point into the luxury brand’s lineup. But entry-level doesn’t mean underpowered.

The base 230i produces 255 horsepower and can reach 60 mph in 5.5 seconds, while the M240i, with 382 horsepower, can reach 60 in 4.1 seconds. Both the price point and the styling, including the plentiful interior and exterior customization options and smaller cabin, target younger drivers.

6. Jaguar XF

• DUI likelihood: 34 out of 1,000 drivers

• DUI rate vs. national average: 4.4x higher

• Average annual premium with a DUI: $5,379

• Average post-DUI premium increase: 81%

Jaguar XF drivers see an average 81% increase in car insurance rates after a DUI conviction, adding about $200 more per month to their insurance costs.

Jaguar designed the XF around the sensory experience of driving with higher-end interior features. Under all that polish is a car that can still move, with a 5.8-second 0–60 time and a top speed of 155 mph.

Quick acceleration time paired with a high top speed can compound the risks of impaired driving and increase the potential for a serious crash. The XF’s luxury materials and technology can make even minor damage more expensive to fix. Jaguar discontinued the XF along with four other models in 2024. Replacement part scarcity combined with the need for specialty technicians could potentially increase future insurance rates for this vehicle.

7. Hyundai Ioniq 6

• DUI likelihood: 33 out of 1,000 drivers

• DUI rate vs. national average: 4.3x higher

• Average annual premium with a DUI: $5,943

• Average post-DUI premium increase: 91%

Similar to drivers of the Chevrolet Bolt EUV, Ioniq 6 drivers experience a significant rate hike after receiving a DUI, at 91%. While marketed for efficiency rather than speed, the Ioniq 6 sedan has a larger battery that boasts 422 miles of range.

Geared toward drivers who want the efficiency of an EV without sacrificing style, technology, or a little speed, the all-wheel-drive Ioniq 6 has 320 horsepower and reaches 60 mph in just 4.3 seconds. Depending on configuration, the Ioniq 6 can outweigh the Bolt EUV by nearly 1,000 pounds. Added weight can increase crash damage, and EV collision repairs already cost about 15% more than those of gas-powered vehicles.

8. Ford Bronco

• DUI likelihood: 33 out of 1,000 drivers

• DUI rate vs. national average: 4.3x higher

• Average annual premium with a DUI: $3,757

• Average post-DUI premium increase: 62%

The Ford Bronco has the lowest DUI rate of the three SUVs in our ranking, at 3.3%. After a DUI, Bronco drivers see an average car insurance rate increase of $193 per month.

Marketed to drivers seeking adventure, the Bronco’s styling and terrain-focused G.O.A.T. Modes reinforce that image. While the off-road capability is part of the Bronco’s appeal, it can also introduce added risk. A standard insurance policy may limit or exclude some types of off-road driving. The NHTSA puts the Bronco’s rollover risk at 25.6% across the 2021–2024 model years.^[2]

The midsize SUV comes standard with Ford Co-Pilot360, which includes Pre-Collision Assist with Automatic Emergency Braking.

9. GMC Canyon

• DUI likelihood: 29 out of 1,000 drivers

• DUI rate vs. national average: 3.8x higher

• Average annual premium with a DUI: $3,247

• Average post-DUI premium increase: 56%

The only truck to rank on our list, the GMC Canyon’s average insurance rate increases by 56% after a DUI, putting monthly premiums at about $271.

This midsize pickup comes standard with a 310-horsepower TurboMax engine and can tow up to 7,700 pounds. But this added capability can have its downsides when it comes to car insurance. The Canyon’s higher stance, paired with its substantial weight and off-road equipment, can also add another layer of accident risk and higher expenses when a crash happens.

With lifted suspension and dedicated off-road modes, the Canyon tends to appeal to drivers who want a pickup that can double as an adventure vehicle.

10. Chrysler Pacifica

• DUI likelihood: 27 out of 1,000 drivers

• DUI rate vs. national average: 3.5x higher

• Average annual premium with a DUI: $3,612

• Average post-DUI premium increase: 70%

Among Chrysler Pacifica drivers, 2.7% report receiving a DUI in the past three years. And after a DUI, Pacifica drivers see their car insurance rates increase by an average of 70%, or about $124 per month. Of all the vehicle types studied, minivans see the highest rate increase after a DUI, of 58%.

The Chrysler Pacifica stands out because it prioritizes practicality, comfort, and safety over speed and performance. From Stow ’n Go seating and rear-seat entertainment to a robust suite of crash-avoidance systems, Chrysler built this vehicle with families in mind. Even so, the Pacifica doesn’t include a driver-attention monitoring system among its list of safety features.

The 2023 model was an Insurance Institute for Highway Safety (IIHS) Top Safety Pick. But newer model years didn’t qualify after the IIHS strengthened its criteria and introduced more rigorous testing requirements.

DUI Insurance Rates Hit Minivan Owners the Hardest

Of all the vehicle classes in our analysis, minivans delivered possibly the biggest surprise. About 1% of minivan drivers in our analysis have a DUI, giving them the third-highest share among vehicle types. That works out to about 10 in 1,000 minivan drivers, compared to roughly 8 in 1,000 drivers nationally.

Minivan drivers also face the steepest insurance rate penalty after a DUI, with full-coverage rates rising by an average of 58%. Before a DUI, it’s the second-cheapest vehicle type to insure, at $1,959 per year. After, it ranks middle of the pack, at $3,087 per year.

The sharp increase likely stems from minivans’ capacity to carry more passengers. Minivans average 2.1 occupants per trip, compared with 1.7 for SUVs and 1.4 for cars.^[3] Every extra passenger adds potential injury claims after a crash.

How Drivers Can Save on Rates

The best way to avoid these higher costs is to plan ahead. Drivers who plan to drink should designate a sober driver or arrange a ride home through a friend, taxi, or rideshare service before they go out.

Even so, drivers who already have a DUI on their record can take steps to lower their insurance costs. It’s worth it for drivers to ask their insurers or agents about available discounts, including whether completing an approved defensive driving course could lower premiums. Not all drivers are eligible for defensive driving discounts, and most state-mandated courses aren’t applicable.

A DUI may make it harder to find coverage in the standard market, especially for drivers with prior infractions on their record. Some drivers may need to look into non-standard insurance companies, which specialize in covering high-risk drivers.

Either way, the most effective strategy is to shop around. How insurers price DUI convictions varies, so comparing quotes from at least three companies can help drivers find the best rate for a given driving record.

Methodology

Compare.com data scientists reviewed more than 58 million rates using our proprietary database, quoted via integrations with partner insurance companies. Insurance applications come from all 50 states and Washington, D.C., and include the precise coverage specifications in each policy quote drivers see.

DUI data in this report comes from insurance applications dated January 2025 to August 2026. DUI rates reflect the share of drivers of a certain model reporting a DUI violation within the past three years, according to their insurance applications. Compare.com examined the 344 most quoted private passenger vehicles.

The full-coverage car insurance premiums in this report reflect the median cost of insurance for drivers ages 20 to 70. Annual prices use two-year rolling medians to mitigate market volatility in recent years.

Full-coverage premiums represent policies with bodily injury limits between state minimum requirements of $50,000 per person and $100,000 per accident; property damage coverage between $10,000 and $50,000; and comprehensive and collision coverage with a $1,000 deductible.