DUIs and Car Insurance: Everything You Need to Know

If you have a recent DUI on your driving record, it can be quite difficult to find affordable auto insurance. however, if you shop around, it is possible to find reasonable dui insurance rates.

how does a dui affect insurance rates?

According to nerdwallet, after you’re caught drinking and driving, you can expect your car insurance rates to increase by more than 75 percent. that means you’ll end up paying hundreds of dollars more a year for insurance. if you’re a 40-year-old driver with a clean driving record, you can expect to pay, on average:

Reading: How do insurance companies find out about dui

  • $2,531 per year for comprehensive coverage. That’s after an increase of $1104.
  • $1079 per year for minimum coverage. That’s after a $473 raise.
  • As insurance.com points out, car companies have to pay large sums of money for bodily injury, property damage, and death benefits due to drunk driving. If the other driver involved files a lawsuit against the DUI offender, the offender’s insurance company must pay the legal fees if the offender has liability coverage. The risks and costs associated with driving while intoxicated are the reason insurance companies raise rates for DUI offenders.

    what happens after a dui?

    the zebra points out that, in addition to high rates, there are other consequences of having a dui on your record. after a dui, the following could happen:

    • Your insurance company might let you. Although your insurance provider cannot legally cancel you immediately after a dui, they can refuse to renew your coverage after your policy expires.
    • You could pay exorbitant fees for years to come. After the initial rate increase, you can expect to pay a higher premium for at least three years. In some states, your insurance company will continue to charge you more as long as the DUI remains on your record.
    • You may be required to present an SR-22, FR-44, or FR-19. Depending on the state you live in, you or your insurance company may need to submit an additional form as proof that your coverage meets the minimum required coverage in your state.
    • how do DUI insurance companies find out?

      According to wallethub, there are a few ways an insurance company can find out that you drank and drove. If your state requires you to file an SR-22 to show that you meet your state’s minimum insurance requirements, they require that your insurance company either approve the form or file it directly on your behalf. Your insurance company will know you have a dui when you ask them to file the sr-22.

      If your insurance company accesses your motor vehicle report, that’s another way they can find out you have a dui. Depending on the insurance company, they may check your record several times a year or just once a year. you can usually count on your provider to verify your report when your policy renews. That means that even if your insurance company doesn’t know about your dui yet, they will eventually find out at some point.

      wallethub recommends that you tell your insurance company about your dui as soon as possible. If they have to find out about DUI from your motor vehicle report, they could hold that against you and cancel your policy. a sudden cancellation can cause a gap in coverage, causing you to pay even higher rates when you get another policy. While you may still be at risk of cancellation, if you tell your insurance company about your DUI instead of waiting for them to find out, you’ll have time to find alternative coverage.

      how to find affordable insurance after a dui

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      If your current carrier refuses to renew your policy after a dui, you will need to purchase a policy from another carrier. While finding affordable insurance after a DUI is challenging, it’s not impossible. according to valuepenguin, this is what to do after a dui:

      • Start looking for insurance quotes as soon as possible. If you start your search right away, you’ll have time to compare quotes and find a new policy before your current policy expires. If your current provider doesn’t renew your policy, you’ll already have a new policy in place and you can avoid gaps in coverage.
      • use comparison tools. When you use a comparison tool, you can compare multiple insurance companies at once, saving valuable time.
      • get multiple quotes. Because each insurance company uses its own formula to calculate rates, prices can vary widely between providers. collecting multiple quotes is the only way to ensure you get the lowest price.
      • buy back in three to five years. Insurance rates tend to drop within three to five years after a dui. When you go back to collecting quotes, your current company may no longer be the least expensive.
      • insurance alternatives after a dui

        As nerdwallet points out, even if you can find affordable quotes, you may not be able to purchase your preferred insurance policy. Many traditional insurance companies will refuse to take the risk of insuring a driver with a DUI on their record. however, some companies specialize in policies for high-risk drivers. If you keep getting turned down by traditional providers, you may want to turn to one of these specialized companies. keep in mind that these specialty insurers charge even higher rates than conventional providers.

        Another alternative is your state’s high risk insurance group. To get started, check with your auto insurance plan service office to find out how to sign up in your particular state. Every state has a program designed to help high-risk drivers meet their state’s insurance requirements so they can get back on the road legally.

        how to recover from a dui

        After finding alternative insurance, you can start rebuilding your driving record. valuepenguin suggests that you follow these steps:

        • Make sure you meet your state’s sr-22 requirements.
        • don’t let it happen again because the consequences of a second dui are even more serious.
        • consider alternate transportation. Using a taxi or Uber can be cheaper than paying for insurance and the fees associated with restoring your driver’s license.
        • consider available discounts. If you can get traditional insurance, consider combining your homeowners policy and your auto insurance policy for a hefty discount.
        • Remember, it is not impossible to restore your driving record and reputation with insurance companies after a DUI. If you make an effort to research insurance alternatives and improve your driving habits, you’ll be back on track in no time.

          Check this out if you need additional information, resources, or guidance on auto insurance.


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