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How does a DUI affect your auto insurance?

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
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UPDATED: Mar 19, 2020

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A DUI, also known as a charge for driving under the influence of alcohol or tobacco, has a major impact on your auto insurance.

One of the biggest things is that you will have to pay considerably more for insurance coverage for a significant period of time, at least 3 years, following a DUI.

The fact that your license is suspended, an automatic consequence in most jurisdictions, will cause an interruption in your insurance coverage. This is another negative in terms of auto insurance.

In order to get your license back and be able to drive again, you will likely be required to carry an SR-22 car insurance rider, another costly option.

Read on to learn all about DUI auto insurance, SR-22 car insurance rates, and other DUI/DWI auto insurance related information and then be sure to enter your zip code above to find and compare cheap insurance rates!

Penalties Following a DUI

Following a DUI, your license is typically suspended for a period of time. You will also receive a hefty fine. In many places you will serve time in jail, even for a first offense and definitely for repeat offenders. I

n order to get the suspension lifted from your license, many states will require a SR-22. This is a document issued by an insurance company that offers proof that you have purchased at least minimum liability car insurance coverage as mandated by the state in which you live.

It can even be purchased for drivers who do not own a vehicle. Just requiring a SR-22 for any reason will mean that you will pay more for insurance.

Why a DUI Affects Your Auto Insurance

Insurance is all about risk. You pay the insurer a set amount in the form of a premium to assume the risk that you are going to be involved in an at-fault accident or suffer another type of loss involving your vehicle.

Anyone with a DUI is automatically considered high risk because insurers interpret a DUI charge as a sign of having very poor judgment. A person with poor judgment is more likely to become involved in an accident than a person who has not proven themselves as a bad risk.

Insurers have to protect themselves from the very real risk that someone with a DUI will drink and drive again. Statistics prove that accidents are much more likely to occur when a driver is impaired and those accidents are much more likely to be serious. This means higher payouts from the insurance company.

Insurers take into consideration a variety of factors when setting rates. You can even earn discounts based on certain things to help lower your rate. If you have a DUI on your record, it makes it much harder to find insurance at a reasonable price because you have compromised several of the factors insurance companies consider. You no longer have a good driving record. You no longer have continual insurance coverage. Your prior insurance company has likely terminated your old policy. You may even find that you cannot get a payment in full discount because the new premiums you have to pay are so high.

Enter your zip to find cheap DUI auto insurance rates!

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Finding Affordable Auto Insurance After a DUI

It is a certainty that you will have difficulty finding auto insurance following a DUI. Many companies simply do not want to insure those with a DUI because the risk is too high. Therefore they will either flat out refuse to cover you or charge you extraordinarily high rates in order to discourage you from opting for their policy. Especially if you have recently had a DUI, prepare yourself for a major increase in premiums.

The absolute best way to find the most affordable auto insurance possible after a DUI is to shop around carefully and thoroughly, comparing the various options available. Get as many price quotes as you can and compare the price, coverage and the company offering them.

A free online quote tool will help you expediently and efficiently shop around. Simply input your zip code and you will be asked a variety of questions concerning you, your vehicle, your driving record and the coverage you desire. Be completely truthful, as if you were dealing with a person.

Insurance companies do check driving records and other information and you risk cancellation or worse if you lie. Be sure to answer all the questions you are asked. There are many insurance companies out there that offer discounts for a variety of unusual reasons. The questions that seem rather irrelevant are the ones that will likely help you get a good deal.

DUI Car Insurance Rates Online

Get started today with our free online car insurance quote tool to help you find the best possible auto insurance following a DUI. Enter your zip to start now!

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