DUI & Auto Insurance: Your Future Rates

The best answer to all of the problems that result from a DUI arrest is to not be in this situation in the first place!  Driving while under the influence of drugs or alcohol ends the lives of hundreds of people every year, and causes thousands of dollars of damage to property.   A DUI conviction will also cost you tens of thousands of dollars, so the best answer is to never, ever drink and drive.  Perhaps as further deterrent considerations, examine closely the outrageous costs of a DUI.  Imagine how much it would cost you if you lost your license, and were unable to drive yourself to work, school, etc.  Some states have estimated these costs of a DUI between $15,000 and $25,000.  Part of this exorbitant cost involves the outrageous cost of DUI auto insurance after a DUI conviction. 

What Happens to My Car Insurance after a DUI?

When you are convicted with a DUI, your insurance carrier could possibly choose not to renew your policy or could cancel it outright.  Your carrier can also categorize you as a “high-risk driver.”  You may be required to purchase an SR22. 

What is an SR22?

An SR22 is a document issued to drivers who have various driving problems on their record.  These infractions requiring an SR22 can include: 

• DUI’s and other major violations
• Recurring traffic violations
• Driving without a license or car insurance

SR22 involves a period of probation, which may last around three years.   Nevertheless the higher rates you will be paying on your car insurance as a result of your DUI may last over seven years.  

Getting Help

If you have lost your car insurance, or are about to lose your coverage, you would do well to consult an attorney to help you both with your car insurance coverage and other complications resulting from your DUI.   

You will also need to conduct thorough research on car insurance carriers, and determine which ones would be willing to cover you, and for how much.  Determine how long you will be required to carry an SR22 after your DUI, and what your rates will look like over time, especially if you maintain a clean driving record.  If you remain ticket-free for the probationary period, and if you bundle other policies, like homeowners or life insurance policies, you may be able to save money on your car insurance coverage.