Insurance for DUI: Tips for Finding the Right Policy

Getting pulled over for driving under the influence (DUI) can have a lasting impact on your life, including your car insurance. After a DUI conviction, finding affordable car insurance can be challenging. Insurance companies view those convicted of a DUI as high-risk drivers, and therefore may charge higher premiums, cancel policies, or refuse to insure them altogether.

What is DUI Insurance?

DUI insurance is car insurance designed for drivers who have been convicted of a DUI. The policy will typically have higher premiums than traditional car insurance policies, but it fulfills state requirements and can help drivers meet their legal obligations.

What Are the Consequences of Not Having DUI Insurance?

In most states, drivers are required to have liability insurance to cover costs related to property damage and injury in the event of an accident. If you’re caught driving without insurance, you could face legal fines or even jail time. If you’re convicted of a DUI and don’t have appropriate insurance, you could be facing even harsher penalties.

Does My State Require DUI Insurance?

While every state requires drivers to have car insurance, not all states require specific DUI insurance. However, after a DUI conviction, drivers may be required to obtain an SR-22 form from their insurer. An SR-22 is a certificate of financial responsibility, that proves the driver has the minimum coverage required by the state.

How Does a DUI Conviction Affect My Insurance?

After a DUI conviction, insurance rates can increase, and some insurance companies may refuse to renew a policy. Finding affordable insurance can be challenging, but it’s not impossible. Below are some tips to help you get started:

Shop Around for Quotes

While some insurance companies might refuse to insure high-risk drivers, others specialize in providing coverage for drivers with DUI convictions. It’s essential to shop around and compare quotes from multiple insurance providers before choosing one. Consider working with an independent agent who can help you find the best options.

Consider High Deductibles

Another way to lower your premiums is to consider raising your deductibles. A $1,000 deductible, for example, can lower your monthly premium by up to 40%. That said, be aware that a higher deductible means that you’ll be responsible for paying more out-of-pocket if you get into an accident.

Take a DUI Course

Many states require DUI offenders to attend alcohol education or treatment programs. Some insurance companies offer discounts to drivers who complete these courses. Not only can completing a course help you save money on your insurance, but it can also help you become a safer driver.

Get a Monitoring Device

Some insurance companies offer discounts to drivers who install a monitoring device or ignition interlock device in their vehicles. These devices measure the driver’s alcohol level and prevent the car from starting if the driver has been drinking.

FAQs

How long will a DUI affect my insurance rates?

A DUI conviction can affect your insurance rates for up to ten years, depending on the state.

Can I get car insurance after a DUI?

Yes, you can still get car insurance after a DUI. However, you may need to purchase an SR-22 form to prove you have the minimum required coverage.

Can I purchase DUI insurance before a conviction?

It’s unlikely. Insurance companies typically require proof of a DUI conviction before offering a specialized policy.

Can my policy be canceled after a DUI conviction?

Yes, some insurance companies may choose to cancel a policy after a DUI conviction. If this happens, you’ll need to find new coverage quickly to avoid any lapse in insurance.

Can I drop my insurance after a DUI conviction?

No, you must have continuous coverage to meet your legal requirement for car insurance. If you’re caught driving without insurance after a DUI conviction, you could face legal consequences.

Final Thoughts

Getting a DUI is a serious offense that can have lasting impacts on your life, including your car insurance rates. While finding affordable car insurance after a DUI can be challenging, it’s not impossible. By following the tips above and working with an independent agent, you can find the right policy that fits your needs and budget. Remember to always drive safely and avoid driving under the influence to keep your insurance rates low.