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While a DUI is far from ideal, you can still find affordable auto insurance rates.
While there aren't specific insurance companies catering to drivers with DUIs, you can save money by remaining aware of common impacts of a DUI on auto insurance. You can certainly expect your rate to rise after a DUI conviction, but there are some ways to limit your losses.
Your insurance company will raise your rates after a DUI conviction. An insurer's primary goal is to anticipate and account for risk — and driving while impaired is among the riskiest behaviors one can exhibit behind the wheel. According to the National Highway Traffic Safety Administration, approximately one-third of all traffic fatalities are caused by intoxicated drivers. That’s a lot of bodily injury, property damage, and death benefits for a car insurance company to pay out. If a car insurance company's client, i.e., the drunk driver, carries separate liability coverage to protect them in the event of a lawsuit, the insurance company might be on the hook again.
In addition to higher insurance rates after a DUI, you'll be ineligible for safe- or good-driver discounts. Depending on your insurance company, this could cost you.
|Accident/Violation||Average Annual Premium||Rate Increase|
|Cell Phone Violation||$1,758||$288|
|Texting while Driving||$1,760||$290|
|Speeding (11-15 MPH > Limit)||$1,778||$308|
While every company will raise your insurance rates after a DUI or DWI, the scale of the premium hike may vary. It's important to make the best of a bad situation by shopping for a new insurance policy and comparing rates after a DUI citation. We compared major insurers to compare cheap car insurance companies after a DUI or DWI.
CAR INSURANCE RATES AFTER DUI — BY COMPANY
|Company||None||Premium at DUI||Premium Increase|
All other metrics constant, Liberty Mutual is the cheapest car insurance company after a DUI. It's important to remember that every company charges rating factors differently. Your best bet is to look at as many companies to find the one that fits you.
Your car insurance rate isn’t the only thing that changes after a DUI. A citation alters your relationship with your insurance company and your state's DMV.
Depending on your insurance company and your driving record, your insurance company could elect to non-renew your policy because of the risk you pose. By this, we mean your insurance company will decline to cover you for six months — or however long your policy was. You'll also be ineligible for good driver discounts with a DUI on your driving record.
After a DUI or other major driving convictions, the state will usually require you to fill out an SR-22 (or FR-22). This certificate of financial responsibility proves you have purchased at least the minimum amount of car insurance required by your state. Most of the time, your insurance company will file these for you — usually for a fee — but if they don't, you would need to speak with your state's DMV.
No matter what, you’ll have to endure a higher insurance premium for the next three years. In some states, such as California, a DUI can stay on your record for 10 years. Still, you have the option of looking at companies that are often referred to as “non-standard companies.” These companies serve high-risk drivers.
Although you should expect your insurance costs to increase, a DUI conviction doesn’t mean you will never be able to find car insurance again. Shopping around frequently with non-standard companies and waiting out your convictions are two ways to mitigate the burden of a DUI on auto insurance prices.
The car insurance penalty you pay after a DUI depends not only on your insurance company, but also the state in which you live. DUIs and DWIs are penalized more harshly in certain states. For a full breakdown of state-specific DUI car insurance consequences, see details below:
|Colorado||Connecticut||Delaware||District of Columbia||Florida|
|New Jersey||New Mexico||New York||North Carolina||North Dakota|
|South Carolina||South Dakota||Tennessee||Texas||Utah|