DUIs and Car Insurance

Being convicted of DUI will usually get your license suspended or at least have your car insurance rates skyrocket. DUI is very high risk because of the thousands of wrongful deaths each year. Getting cheap auto insurance coverage after a DUI is not easy.

DUI drivers

To a car insurance company, DUI drivers are more likely to get arrested again or cause a serious accident. So expect higher your insurance relative to what you pay now. Even though you rates will be higher, still shop around for the cheapest price.

DUI rates

When you go to a car insurance company with an SR-22 form (from a DUI conviction), your company will consider you a "high-risk" driver and increase your insurance premiums. This is especially true if you were previously in a "preferred class" or received safe-driver discounts.

If you are convicted of drunk driving, your auto insurance premiums can go up 100% in some states even 300%!

The reason is not all companies want SR-22 or DUI drivers, so your options shrink.

Car insurance policy cancelation?

Some insurance carriers do not offer SR-22 insurance policies so if you are convicted of drunk driving and your company does not offer SR-22, the company could cancel or not renew your current policy when it expires.

Car insurance rates will still vary among companies. Shop to find the least expensive high risk insurance. Comparing auto insurance prices online is an excellent way to save. Disclose your DUI infraction on every quote request form so you get an accurate estimate. Some companies want DUI drivers, and can offer cheaper rates.

Having a DUI on your record doesn't mean you can't compare auto insurance quotes online to find lower rates. You might have gotten caught, but reduce your surcharges by comparing many car insurance rates.

Auto Insurance Tip

Pay your premiums annually, you will not get charged a fiance fee.More car insurance tips...