Getting arrested for driving under the influence (DUI) is a serious offense that can result in expensive fines, license suspension, and even jail time. In addition to these consequences, DUI offenders often face higher insurance rates. If you’ve been convicted of a DUI, it’s important to understand your insurance options and requirements.
What is DUI Insurance?
DUI insurance, also known as SR-22 insurance, is a type of high-risk auto insurance that is required for drivers who have been convicted of a DUI. This insurance is designed to provide coverage to drivers who are considered high-risk by insurance companies due to their history of driving under the influence.
There are two types of DUI insurance:
Policy Type |
Description |
Owner Policy |
Provides liability coverage for vehicles owned by the driver |
Non-Owner Policy |
Provides liability coverage for vehicles not owned by the driver, such as rental cars |
What Does DUI Insurance Cover?
DUI insurance typically provides the same types of coverage as standard auto insurance policies, including:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
However, because DUI insurance is considered high-risk, the coverage limits may be lower and the premiums may be higher than standard auto insurance policies.
How Long Do You Need DUI Insurance?
The length of time you are required to carry DUI insurance varies by state, but it is typically between three and five years. During this time, you will be required to provide proof of insurance to the DMV in order to have your license reinstated.
Frequently Asked Questions
What is an SR-22?
An SR-22 is a form that is filed by your insurance company with the DMV to prove that you have the required liability insurance coverage. If you are required to have DUI insurance, you will need to file an SR-22.
What Happens If You Don’t Have DUI Insurance?
If you are required to have DUI insurance and you do not have it, your license will likely be suspended. Additionally, if you get into an accident without insurance, you may be personally responsible for any damages or injuries that occur.
Can You Get DUI Insurance if You Don’t Own a Car?
Yes, you can get a non-owner policy that provides liability coverage for vehicles that you do not own, such as rental cars.
How Can You Lower Your DUI Insurance Premiums?
There are several steps you can take to lower your DUI insurance premiums, including:
- Take a defensive driving course
- Improve your credit score
- Choose a higher deductible
- Drive a safer car
Do You Need DUI Insurance if Your License is Suspended?
If your license is suspended, you are not legally allowed to drive and therefore do not need insurance coverage. However, if you plan to have your license reinstated in the future, you will need to obtain DUI insurance.
Conclusion
If you have been convicted of a DUI, it’s important to understand your insurance options and requirements. DUI insurance is designed to provide coverage to high-risk drivers, but it can be expensive. By taking steps to improve your driving record and credit score, you may be able to lower your premiums and get back on the road with confidence.
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