Car Insurance with DUI: What You Need to Know

Getting a DUI (driving under the influence) can have serious consequences, including higher car insurance rates. If you’ve been convicted of a DUI, finding car insurance can be difficult and expensive. In this article, we’ll cover what you need to know about car insurance with a DUI, including what factors impact your rates, how to find affordable coverage, and more.

What is a DUI?

A DUI is a criminal charge for driving under the influence of drugs or alcohol. It’s a serious offense that can result in fines, license suspension, and even jail time. In most states, a blood alcohol concentration (BAC) of 0.08 or higher is considered to be driving under the influence.

If you’re convicted of a DUI, it can have long-lasting consequences, including higher car insurance rates. Many insurers consider DUI convictions to be a red flag, indicating that you’re a high-risk driver.

Factors that Impact Car Insurance Rates After a DUI

When you’re convicted of a DUI, your car insurance rates are likely to go up. However, the amount your rates increase will depend on several factors, including:

How to Find Affordable Car Insurance with a DUI

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

Shop Around

Not all insurance companies treat DUI convictions the same way. Some insurers specialize in high-risk drivers and may offer better rates than others. Be sure to get quotes from several different insurers to find the best deal.

Take a Defensive Driving Course

Many insurers offer discounts to drivers who take defensive driving courses. These courses can also help you become a safer driver, reducing your risk of getting into an accident and lowering your rates.

Install Safety Features in Your Car

Insurers often offer discounts for safety features such as anti-lock brakes, airbags, and anti-theft devices. Installing these features in your car can help you save money on your car insurance.

FAQ

Will a DUI Affect My Car Insurance Rates?

Yes, a DUI conviction is likely to result in higher car insurance rates. Insurers consider DUI convictions to be a red flag indicating that you’re a high-risk driver.

How Long Will a DUI Affect My Car Insurance Rates?

The impact of a DUI on your car insurance rates can vary depending on several factors, including your state laws, your driving record, and your insurance company. In many cases, a DUI will remain on your driving record for several years, which can continue to impact your rates.

Do I Need an SR-22 After a DUI?

In many states, drivers who have been convicted of a DUI are required to file an SR-22 form with their insurance company. This form verifies that you have the state-mandated minimum liability insurance coverage. Filing an SR-22 can result in higher rates.

Can I Get Car Insurance After a DUI?

Yes, you can still get car insurance after a DUI conviction. However, finding affordable coverage may be challenging. Be sure to shop around and consider defensive driving courses, safety features, and other ways to lower your rates.

What Happens if I Don’t Disclose My DUI to My Insurer?

It’s important to be honest with your insurer about your DUI conviction. Failing to disclose a DUI is considered insurance fraud and can result in your policy being canceled or your claim being denied.

In conclusion, a DUI conviction can have serious consequences, including higher car insurance rates. However, by shopping around, taking defensive driving courses, and installing safety features in your car, you can find affordable coverage. Be honest with your insurer about your DUI and don’t try to hide it. Doing so can result in serious legal and financial consequences.