Car Insurance for DUI

Getting a DUI or DWI can be a stressful and life-changing experience. Not only does it come with legal consequences, but it can also impact your car insurance rates. If you’ve been convicted of a DUI, you may find that it’s more difficult to get car insurance coverage or that your rates are significantly higher than before.

What is a DUI?

DUI stands for “driving under the influence,” and it’s a criminal charge that can be issued to drivers who are found to be operating a vehicle while under the influence of drugs or alcohol. Depending on the state, a driver may be charged with a DUI if their blood alcohol concentration (BAC) is above a certain limit (usually 0.08%).

Driving under the influence is a serious offense and can lead to fines, jail time, and a suspension of your driver’s license. Additionally, it can impact your car insurance rates and ability to get coverage. In this article, we’ll explore some of the ways that a DUI can affect your car insurance and what you can do to get coverage.

How Will a DUI Affect My Car Insurance Rates?

One of the most significant ways that a DUI can impact your car insurance is by raising your rates. Insurance companies consider drivers with DUIs to be high-risk, which means they are more likely to file a claim or be involved in an accident. As a result, insurance companies often charge higher premiums to drivers with DUIs.

According to the National Highway Traffic Safety Administration (NHTSA), the average car insurance premium increases by around 80% after a DUI conviction. However, the exact increase in your rates will depend on a variety of factors, including your driving record, the state you live in, and the insurance company you work with.

Can I Still Get Car Insurance Coverage After a DUI?

Getting car insurance coverage after a DUI conviction can be challenging, but it’s not impossible. While some insurance companies may refuse to cover you, others may be willing to provide coverage at a higher premium. To increase your chances of getting coverage, it’s essential to shop around and compare quotes from multiple insurance providers.

Additionally, some states require drivers with DUI convictions to carry an SR-22 form, which is a certificate of financial responsibility. This form verifies that you have car insurance and can be issued by your insurance company. Not all insurance companies offer SR-22 forms, so it’s important to check with potential insurance providers before choosing a policy.

What Can I Do to Lower My Car Insurance Rates After a DUI?

If you’ve been convicted of a DUI, there are several things you can do to lower your car insurance rates:

By completing a defensive driving course, you can demonstrate to your insurance company that you’re taking steps to become a safer driver. Additionally, choosing a higher deductible can lower your rates because it means you’ll pay more out-of-pocket if you file a claim. Driving a less expensive car can also lower your rates because it means there’s less to insure.

Finally, improving your credit score can be an effective way to lower your car insurance rates. Insurance companies often use credit scores to help determine rates, so improving your score can make you appear more responsible and lower-risk to insurance providers.

FAQs

1. How long will a DUI stay on my driving record?

The length of time that a DUI stays on your driving record can vary depending on the state you live in. In most states, a DUI will stay on your record for at least five years.

2. Will a DUI affect my ability to get a job?

While a DUI can impact your ability to get certain jobs, it’s not always a disqualifying factor. Employers may consider the severity of the charge, how long ago it occurred, and whether you have any other criminal convictions.

3. Can I refuse a breathalyzer test?

In most states, you can refuse a breathalyzer test, but doing so can come with consequences. Your license may be suspended, and refusing the test can be used as evidence against you in court.

4. How can I find car insurance coverage after a DUI?

To find car insurance coverage after a DUI, it’s essential to shop around and compare quotes from multiple insurance providers. Working with an insurance agent can be helpful, as they can provide guidance and help you find coverage that fits your needs and budget.

5. How can I avoid a DUI?

The best way to avoid a DUI is to never drink and drive. If you plan to drink, make alternate transportation arrangements (such as calling a taxi or using a ride-sharing service). Additionally, you can find a designated driver or stay overnight if necessary.

In conclusion, getting a DUI can be a challenging experience, but it’s important to remember that it’s not the end of the road. With some effort and patience, you can find car insurance coverage and work to lower your rates over time. By following safe driving practices and avoiding risky behaviors, you can become a more responsible and lower-risk driver in the eyes of insurance providers.