A DUI conviction has serious consequences beyond legal penalties—it also impacts your auto insurance rates. If you’re wondering, “Does a DUI affect your insurance?”, the short answer is yes. A DUI insurance increase is common, as insurers view convicted drivers as high-risk. Understanding how long a DUI affects insurance and what steps you can take to minimize the impact is essential.
This article explains the effects of a DUI on car insurance, how to find affordable coverage after a conviction, and what options are available for high-risk drivers.
How Does a DUI Affect Your Insurance?
After a DUI conviction, insurance providers will likely:
- Increase Your Premiums
- DUI insurance rates often double or triple after a conviction.
- The increase depends on your state, insurer, and driving history.
- Classify You as a High-Risk Driver
- A DUI on your record places you in the highest-risk category for auto insurers.
- Some companies may refuse to renew your policy.
- Require an SR-22 or FR-44 Form
- Many states require SR-22 insurance (a certificate of financial responsibility) after a DUI.
- Florida and Virginia require an FR-44, which has even higher insurance requirements.
- Limit Your Coverage Options
- Some companies may deny coverage or exclude you from standard policies, requiring you to seek special DUI auto insurance from high-risk providers.
How Long Will a DUI Affect Insurance?
A DUI can affect car insurance rates for several years, depending on state laws and insurance company policies.
- Typical Duration: Most insurance companies consider a DUI for 3-7 years when calculating premiums.
- State Variations: Some states allow insurers to factor in a DUI for up to 10 years.
- Progressive DUI Insurance & Other Providers: Some companies, like Progressive, may be more lenient with DUI drivers, but expect significantly higher rates.
Car Insurance After a DUI: What Are Your Options?
If your insurer drops you or raises rates too high, here are ways to find car insurance after a DUI:
- Shop Around for New Providers
- Different insurers assess risk differently. Compare rates from multiple companies.
- Consider High-Risk Insurance Providers
- Companies like Progressive DUI insurance and other specialized insurers offer coverage for DUI-convicted drivers.
- Look for DUI Insurance Tricks to Lower Costs
- Increase your deductible.
- Take a defensive driving course.
- Maintain a clean record moving forward.
- Ask About Discounts
- Some insurers may offer lower rates if you install a monitoring device in your vehicle or bundle policies.
FAQs About DUI and Insurance
- Does a DUI affect insurance rates?
Yes, a DUI significantly increases insurance premiums, often doubling or tripling your rates. - How long will a DUI affect insurance?
Most insurers factor in a DUI for 3-7 years, but some states allow up to 10 years. - Can I still get car insurance after a DUI?
Yes, but you may need to seek high-risk DUI insurance or providers specializing in high-risk drivers. - What is the DUI insurance trick to lower costs?
Shopping around, increasing deductibles, and taking safe driving courses can help reduce insurance costs. - Does Progressive offer DUI insurance?
Yes, Progressive DUI insurance is available, though rates will still be higher than for drivers without a DUI.
Conclusion
If you’ve been convicted of a DUI, your car insurance rates will increase, but there are ways to minimize the impact. By shopping for insurance after a DUI, maintaining a clean record, and exploring discounts, you can find more affordable coverage.
If you need legal assistance with a DUI charge, the DWI Team is here to help. Our experienced attorneys can fight to reduce charges, helping to lessen the impact on your DUI car insurance. Contact us today for a consultation.
