Car Insurance With DUI
DUI auto insurance refers to policies specifically designed for those who have been convicted of a DUI (driving under the influence) offense. Many insurance companies will either cancel your current policy or not renew it when you have a DUI on your motor vehicle record.
On the other hand, others will still give you auto insurance with a DUI, albeit at a much higher premium. You will also be labeled a high-risk driver and that could possibly create problems for you down the line.
Rates For Car Insurance With DUI
Rates vary across the industry since there are no laws to regulate DUI auto insurance premiums, so some comparison-shopping is a good idea.
A drunk driver’s license will either be suspended or revoked. US law also mandates administrative license suspension, a procedure where a driver’s license is taken if he refuses or fails to take an alcohol test (41 states and Washington DC have such a law).
SR-22
When convicted of DUI, you will usually have to file proof that you have auto insurance with a DUI for around three to five years with your state DMV (Department of Motor Vehicles). Your insurance company will have to give the DMV an SR-22 form, lifting the suspension of your driver’s license by presenting proof that you have DUI car insurance.
How long your insurance company will charge you the rate of a DUI auto insurance will depend on their policy and on state rules. States vary on the length of time a DUI conviction remains on record; and as long as it is on your record it will probably affect your premium.
Car insurance companies have different ways of checking and rating drivers. Many often check your motor vehicle record once every two or three years, or when you apply for a new policy, although some tickets and convictions may not end up on record. However, even first-time offenders get charged astronomical premiums for auto insurance with a DUI, so it’s better to ‘come clean’.
DUI auto insurance may be a bit steeper than regular auto insurance but it is something you simply have to have because it is part of being a responsible driver. Furthermore, no one can predict accidents so in the end, it is still better to be safe than sorry.
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