Best Insurance for DUI

Getting a DUI (driving under the influence) can be a scary experience, and it can have long-lasting consequences. One of those consequences is finding affordable car insurance. Many insurance companies consider drivers with DUIs to be high-risk, which means their insurance rates will be higher. However, there are insurance companies that specialize in providing coverage for high-risk drivers.

What is a DUI?

A DUI is a criminal offense that occurs when a driver operates a motor vehicle while under the influence of drugs or alcohol. In most states, the legal limit for blood alcohol concentration (BAC) is 0.08%. If a driver’s BAC is above this limit, they can be charged with a DUI. A DUI can result in fines, license suspension, and even jail time.

What are the consequences of a DUI?

The consequences of a DUI can be severe, including:

Why is car insurance important after a DUI?

After a DUI conviction, many insurance companies will consider you a high-risk driver. This means your insurance rates will be higher than before. It can be tough to find car insurance at an affordable rate, and the consequences of not having insurance can be even worse.

What are the consequences of driving without insurance?

If you are caught driving without insurance, you can face fines, license suspension, and even jail time in some states. In addition, you will be personally responsible for any damages or injuries you cause in an accident. This means you could be sued for thousands of dollars if you cause an accident while uninsured.

What are the best insurance companies for drivers with a DUI?

There are several insurance companies that specialize in providing coverage for high-risk drivers, including those with a DUI. These companies may offer higher rates than traditional insurance companies, but they can provide the coverage you need to get back on the road.

1. Progressive

Progressive is one of the largest and most well-known insurance companies in the United States. They offer coverage for high-risk drivers, including those with a DUI. They also offer a variety of discounts to help lower your insurance rates.

Pros:

• Offers coverage for high-risk drivers
• Provides a variety of discounts
• 24/7 customer service

Cons:

• May not offer the lowest rates
• Some customers have reported poor customer service experiences

2. The General

The General specializes in providing coverage for high-risk drivers, including those with a DUI. They offer competitive rates and a variety of coverage options to meet your needs.

Pros:

• Offers coverage for high-risk drivers
• Competitive rates
• Easy online quote process

Cons:

• May not offer as many discounts as other insurance companies
• Some customers have reported poor customer service experiences

3. Dairyland

Dairyland is a specialty insurance company that provides coverage for high-risk drivers, including those with a DUI. They offer a variety of coverage options and discounts to help lower your insurance rates.

Pros:

• Specializes in coverage for high-risk drivers
• Offers a variety of discounts
• Available in most states

Cons:

• May not offer as many coverage options as other insurance companies
• Some customers have reported poor customer service experiences

How can I lower my insurance rates after a DUI?

After a DUI conviction, your insurance rates will be higher than before. However, there are a few things you can do to lower your rates:

1. Shop around for the best rates

Not all insurance companies offer the same rates for high-risk drivers, including those with a DUI. Shop around to find the best rates, and don’t be afraid to negotiate with insurance companies to get a better deal.

2. Take a defensive driving course

Some insurance companies offer discounts to drivers who take defensive driving courses. These courses can teach you valuable skills that can help you avoid accidents and become a safer driver.

3. Maintain a good driving record

After a DUI conviction, it’s important to maintain a good driving record. This means avoiding any additional traffic violations or accidents. A clean driving record can help you qualify for lower insurance rates in the future.

Conclusion

Getting a DUI can be a scary experience, but it’s important to remember that there are insurance companies that can provide coverage for high-risk drivers. Progressive, The General, and Dairyland are all good options to consider when looking for car insurance after a DUI. Remember to shop around for the best rates, take a defensive driving course, and maintain a good driving record to help lower your insurance rates in the future.