Dui Insurance

Today, we’re going to be talking about DUI insurance. A conviction for driving under the influence will make it harder for you to get car insurance, and it could increase your rate by as much as 370%, depending on your state and insurer. This is because a DUI designates you as a high-risk driver, meaning insurers view you as more likely to file a claim in the future.

Depending on your prior driving history and other factors, insurers may deem you too risky to insure after a DUI conviction. If that’s the case, then you can join your state’s assigned risk pool, which will help you get the coverage you need to comply with state laws. But keep in mind that this coverage is usually more expensive than standard insurance policies. The good news is it’s possible to rebound after a DUI conviction, especially if you follow these four tips. 

First, you need to make sure that you comply with your state’s SR-22 requirements. An SR-22 is a form verifying that you have the minimum amount of car insurance required by law, and it’s usually required for three years after a DUI. If you live in Florida or Virginia, you’ll file an FR-44 instead. If you don’t own a car or have a vehicle in your household, you should also consider non-owner insurance. This will satisfy your state’s car insurance requirement at a significantly lower price compared to a regular car insurance policy. 

Next, you should practice safe driving habits. The consequences of a second or third DUI offense are far more serious than the first, and you could endanger the lives of yourself and others. DUIs only stay on your insurance record for 3-5 years, so if you stay safe on the road during that time, your rates will eventually go back down.

Finally, you should shop around for coverage every 6-12 months to make sure you’re still getting the best deal. Considering how expensive insurance is after a DUI, getting quotes from three different companies could save you hundreds of dollars each year. Luckily, we can help you get started. I hope you enjoyed this session on everything you need to know about DUI insurance. So always be sure to contact a professional before making any financial decisions.