Cheap DUI Insurance: What You Need to Know

Driving under the influence (DUI) is a serious offense that can have long-lasting consequences. Aside from the legal penalties, a DUI conviction can also result in higher car insurance premiums. Fortunately, there are ways to find cheap DUI insurance without sacrificing coverage or quality. Here’s what you need to know.

What is DUI Insurance?

DUI insurance, also known as SR-22 insurance, is a type of auto insurance that is required for drivers who have been convicted of a DUI. This type of insurance proves to the state that you have the minimum amount of liability coverage required by law. SR-22 insurance typically has higher premiums than standard car insurance policies because it is considered a high-risk policy.

Depending on where you live, you may be required to carry SR-22 insurance for several years after a DUI conviction. During this time, your insurance company will notify the state if your policy lapses or is canceled, which could result in the suspension of your driver’s license.

How Much Does DUI Insurance Cost?

The cost of DUI insurance varies depending on several factors, including your age, driving history, location, and the severity of your DUI offense. On average, drivers can expect to pay between $1,000 and $3,000 per year for SR-22 insurance.

However, there are ways to find cheap DUI insurance. Some insurance companies offer discounts for completing DUI education courses or installing ignition interlock devices in your car. You can also compare quotes from multiple insurance companies to find the best rates.

Factors that Affect the Cost of DUI Insurance

FAQ

What is an SR-22?

An SR-22 is a form that your insurance company files with the state to prove that you have the minimum amount of liability coverage required by law. This form is typically required for drivers who have been convicted of a DUI or other serious traffic offense.

Do I need SR-22 insurance?

If you’ve been convicted of a DUI or other serious traffic offense, you will likely need SR-22 insurance. Check with your state’s Department of Motor Vehicles to find out if SR-22 insurance is required.

How long do I need SR-22 insurance?

The length of time you need SR-22 insurance varies depending on the state and the severity of your offense. In some states, you may need to carry SR-22 insurance for several years after a DUI conviction.

How can I find cheap DUI insurance?

To find cheap DUI insurance, you can compare quotes from multiple insurance companies, take advantage of discounts for completing DUI education courses or installing ignition interlock devices in your car, and maintain a clean driving record.

Will a DUI affect my auto insurance rates?

Yes, a DUI can result in higher auto insurance premiums because it is considered a high-risk offense. However, there are ways to find cheap DUI insurance without sacrificing quality or coverage.

By understanding the factors that affect the cost of DUI insurance and taking steps to find the best rates, you can protect yourself and your wallet after a DUI conviction. Remember to drive safely and responsibly to avoid future legal and financial headaches.