Car Insurance Quotes For DUI Drivers

Car Insurance Quotes For DUI Drivers

Getting car insurance after a DUI conviction isn’t easy. Once you’ve been charged with driving under the influence, many insurance companies see you as a high-risk driver. This can lead to your current policy being canceled or not renewed. If you do find a company that’s willing to insure you, the price is often much higher than what you were paying before. A DUI can have a serious impact on your driving record and your finances. Insurance providers use your history to decide how much to charge you. When a DUI shows up on your record, your risk level increases in their eyes—and so do your premiums.

In some states, you’ll also need to file a special form, like an SR-22 or FR-44, to prove that you have the required insurance coverage. This is often a condition for getting your driver’s license back after a suspension. Even though the process may feel overwhelming, there are ways to get insured again. Some insurance companies offer policies specifically for drivers with a DUI on their record. These high-risk insurers understand your situation and can help you find a policy that meets your needs. Shopping around and comparing quotes from different companies is key.

Prices and coverage options can vary a lot, so doing your homework can save you money. There are also steps you can take to help lower your rates over time. Taking a defensive driving course, avoiding any new traffic violations, and maintaining a clean record can all work in your favor. Some insurers may offer discounts for using a telematics device that tracks safe driving habits. Having a DUI on your record doesn’t mean you’re out of options. While it may require some extra effort, you can still find car insurance that suits your needs. With the right approach, you can move forward and stay covered on the road.

Learn more: Car Insurance Quotes With SR22

What is DUI Insurance?

DUI insurance is the same as regular car insurance, but it costs more. This is because insurance companies consider several factors when determining your rate, and your driving history is a significant one. If you’ve been convicted of a DUI, it shows up as a serious issue on your record and makes you a higher risk to insure. Some insurance companies may not even want to offer you a policy after a DUI. That means you’ll need to take the time to shop around and find one that will still cover you. It’s really important to stay insured—driving without insurance after a DUI can make things even worse.

Requirements and Reporting for a DUI

You don’t have to tell your insurance company about a DUI right away.

• Most insurance companies check your driving record before they renew your policy.
•  If your state requires an SR-22 certificate, you need to notify your insurer.
• If the court orders you to get an SR-22, you must file it with your insurance company.
•  If there’s no SR-22 requirement, you might have some time before your policy renews to find a new insurer if your current one cancels or raises your rates.
• Always be ready to shop around for insurance after a DUI to make sure you stay covered.

How a DUI Affects Your Car Insurance Rates 

A DUI can make your car insurance more expensive and complicated. Here’s how:

• Possible cancellation: Some companies might drop you and refuse to renew your policy.
• Higher costs: After a DUI, your insurance company may raise your rates a lot because they see you as more likely to cause an accident.
•  Extra forms required: You may have to file special forms like an SR-22 or FR-44 to prove you’re properly insured.
Car Insurance Quotes For DUI Drivers

How Long Does a DUI Impact Your Car Insurance?

When deciding your insurance rates, companies look back at your driving history for several years—some check 3 to 5 years, others up to 10. The longer you stay clean after a DUI, the better your chances of lower rates. Whether your DUI stays on your record depends on where you live. Many states will remove a first-time DUI after 3 to 5 years if you meet all court requirements and pay fines. But in some places, like Texas, it is on your record forever. Also, DUI laws keep getting tougher, so the way a DUI affects your insurance could change down the road.

How to Get Cheap High-Risk Insurance After a DUI 

Finding affordable car insurance after a DUI isn’t easy, but it’s possible. One of the best ways to save money is by shopping around and comparing different insurance companies. Here are a few more ways you might be able to lower your costs:

Look for Discounts:

• You may not qualify for a safe driver discount right now, but there are other options. For example, discounts may be available for military service or for students with good grades.

Bundle Your Policies:

• If you buy more than one type of insurance (like car and home) from the same company, you could save up to 25%.

Learn more: What Does A DUI Attorney Cost

Drive Responsibly:

• From now on, keep a clean driving record. Avoid any more tickets or accidents, and make sure your insurance never lapses—even for a day.

Contact an agent today!

You can count on them to help you find affordable DUI insurance. Visit their website, give them a call at 800-321-0899, or drop by one of their nearby offices to talk in person.

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