Car Insurance DUI: What You Need to Know

Driving under the influence (DUI) is a serious offense that can lead to fines, license suspension, and even jail time. But one of the lesser-known consequences of a DUI conviction is the effect it can have on your car insurance. In this article, we’ll explore everything you need to know about car insurance DUI, including how it can impact your rates, what coverage you’ll need, and how to find affordable insurance after a DUI.

What is a DUI?

Before we dive into the specifics of car insurance DUI, let’s first define what a DUI is. Driving under the influence refers to operating a vehicle while impaired by drugs or alcohol. In most states, a blood alcohol concentration (BAC) of 0.08% or higher is considered illegal, although some states have lower limits for commercial drivers or underage drivers.

If you are caught driving under the influence, you will likely face legal penalties such as fines, license suspension, and even jail time. In addition, you may also face consequences with your car insurance company.

How Does a DUI Affect Your Car Insurance?

One of the biggest ways a DUI can impact your car insurance is by causing your rates to increase. Insurance companies view drivers with a DUI conviction as high-risk, which means they are more likely to file a claim and cost the company money.

As a result, car insurance companies often raise rates for drivers with a DUI on their record. In fact, some drivers may see their rates double or even triple after a DUI. The exact increase will depend on a variety of factors, such as your age, driving history, and the state you live in.

Do You Need SR-22 Insurance?

In some cases, a DUI conviction may also require you to obtain SR-22 insurance. SR-22 is a form that proves to the state that you have the required minimum car insurance coverage. It is often required for high-risk drivers, such as those with a DUI on their record.

SR-22 insurance can be more expensive than regular car insurance, so it’s important to shop around and compare rates. Not all insurance companies offer SR-22 insurance, so you may need to do some research to find a company that can provide the coverage you need.

How to Find Affordable Car Insurance After a DUI

After a DUI conviction, finding affordable car insurance can be challenging. However, there are steps you can take to lower your rates:

It’s also important to maintain a clean driving record after a DUI conviction. Avoid getting any additional tickets or accidents, as these can further increase your rates. Over time, your rates may decrease as your DUI conviction becomes more distant.

Frequently Asked Questions

Can You Get Car Insurance After a DUI?

Yes, you can still get car insurance after a DUI. However, you may find that your rates are significantly higher than they were before the conviction. It’s important to shop around and compare rates from multiple companies to find the most affordable policy.

Do All Car Insurance Companies Consider DUIs?

Yes, all car insurance companies will consider a DUI conviction when determining your rates. Some companies may be more lenient than others, however, so it’s important to shop around and compare rates.

How Long Does a DUI Stay on Your Record for Insurance Purposes?

The length of time a DUI stays on your record for insurance purposes will vary depending on the state you live in. In general, a DUI will stay on your driving record for at least three to five years, although some states may keep it on your record for up to ten years.

How Much Will Your Car Insurance Increase After a DUI?

The amount your car insurance will increase after a DUI will depend on a variety of factors, such as your age, driving history, and the state you live in. Some drivers may see their rates double or even triple after a DUI.

Do You Have to Tell Your Car Insurance Company about a DUI?

Yes, you are required to notify your car insurance company if you are convicted of a DUI. Failing to do so could result in a denial of coverage or cancellation of your policy.

Conclusion

A DUI conviction can have a significant impact on your car insurance rates and coverage. If you are facing a DUI charge, it’s important to speak with a qualified attorney to understand your legal options. After the conviction, be sure to shop around and compare rates from multiple insurance companies to find the most affordable policy for your needs.