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Getting Auto Insurance After a DUI Conviction

Thursday, April 1st, 2010

Obtaining auto insurance after a DUI (Driving Under the Influence) conviction can be a big challenge. Being convicted of a DUI is not something you want. It’s humiliating and expensive, from all the attorney fees to fines to license suspension. After all that’s said and done, getting auto insurance will be another big problem.

If you are convicted of a DUI, more then likely your insurance company is going to find out and deal with it in one of two ways. First your rates will go up substantially if they decide that they still want to insure you. The other way is they cancel your insurance policy because you are deemed as a high-risk driver. If your auto insurance company does decide to keep you, most states require the insurance company to provide the state motor vehicle agency (DMV, MVD) with an SR-22 Proof of Insurance Certificate, which removes your license suspension by providing the state with proof that you are insured.

While this sounds like a good alternative, the catch is that not all insurance companies offer SR-22 policies. So your policy may be non-renewed or cancelled simply because the company can no longer provide insurance for you. In some states, insurers can’t cut you off in the middle of the policy term, so be sure to check on the laws where you live.

Another less-likely scenario is that your insurance company doesn’t find out about your DUI because, for whatever reason. Occasionally, your insurer will not raise your rates or cancel you if you’ve been a long time insured with no other blemishes on your record. But this is also pretty unlikely.

If your policy is cancelled or non-renewed, you will still be able to find insurance. It will not likely be one of the preferred carriers, like AAA, Allstate or Geico, but some other well-known companies (such as State Farm and Progressive Insurance) as well as other smaller companies will cover you and file the SR-22 for you so your license may be reinstated. Your rates will most certainly be higher, particularly because a DUI violation remains on your driving record for anywhere from five years to the rest of your life, depending on the state you’re in. To find new insurance coverage after a DUI, please use one of our sponsors and compare. You’ll want to shop around and see which insurance company will provide you a policy as well as giving you an affordable cheap auto insurance rate.