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DUI Auto Insurance: How to Handle Your Insurance After a DUI Violation

Updated: June 7, 2018

Getting a DUI or DWI is always a complicated problem for a driver.

Not only are you risking jail time, heavy fines and the suspension of your license, but insurance companies generally raise rates a lot for people convicted in these cases.

Getting DUI auto insurance is often necessary, because insurance companies put DUI conviction candidates in a separate insurance category.

Many states require that individuals with a DUI conviction get a SR-22 before they are eligible to get back on the road.

The SR-22 is a document that the individual must obtain, which is necessary after DUI convictions, multiple traffic violations or serious at-fault accidents.

What Does SR22 Mean?

A lot of people get confused about the SR-22 document and how it relates to DUI auto insurance. The SR-22 is a legal document that is required by many state DMV offices to validate high risk insurance policies. Without the SR-22, people with DUI convictions are not permitted to drive.

Unfortunately, many insurance companies do not offer policies with the SR-22.

The process involves getting an FR-44 document from the state DMV office, giving it to the insurance company that is providing you with a policy and asking them to file the SR-22 on your behalf.

Unfortunately, many insurance companies do not offer policies with the SR-22.

Without this SR-22 form, individuals who have a DUI or DWI conviction are unable to get a valid insurance policy or drive their car on the road. If they are caught driving, they are liable to face harsher penalties that may even include a revocation of their license.

The SR-22 is not exclusive to DUI convictions. It is also necessary for individuals who have an unusually high number of traffic tickets, or find themselves involved in an at-fault traffic accident when they did not have auto insurance.

How to Get SR22 Insurance?

Getting SR-22 insurance is not hugely challenging, but it does involve finding a different insurance company and paying very high premiums. Most major insurance providers do not offer SR-22 insurance, because they do not want to take the risk of insuring such individuals.

As soon as you agree on an SR22 insurance policy with the relevant insurance company, they will file the document with your state DMV office on your behalf.

However, you can find specialized insurance providers that offer SR22 insurance. They will generally provide you quotes with very high premiums, because of the risk involved in issuing you a policy.

As soon as you agree on an SR22 insurance policy with the relevant insurance company, they will file the document with your state DMV office on your behalf. When this document is filed and accepted by the DMV, you are eligible to drive again.

There is usually a time limit on the SR-22, which means that DUI convictions result in a three to five-year period where an individual cannot get regular insurance.

If the individual can get through this three to five-year period without getting another conviction, traffic violation or being at fault for an accident, they can get regular insurance again.

Impact of a DUI On Auto Insurance Premiums

If you live in a state where a DUI conviction does not trigger the SR-22 requirement, or the DUI charge is very minor, you may not lose your existing policy. However, your insurance company will significantly increase your premiums when your policy is up for renewal.

Statistics show that DUI convictions result in people paying almost 100 percent more for auto insurance the following year.

Even if you have a perfect record before this DUI, one charge and conviction can result in you paying much more for auto insurance.

Statistics show that DUI convictions result in people paying almost 100 percent more for auto insurance the following year. Even after a few years, they pay 50 to 60 percent more than those without a DUI conviction.

The reason for these increased premiums is because individuals who get a DUI are deemed among the highest risk of candidates to insure. Someone who drinks excessively and drives is more likely to cause an accident, while the accidents they cause are also likelier to involve heavy damage to cars and other people.

Insurance companies mitigate against this higher risk through much higher premium requirements.

Who to Trust for DUI Auto Insurance

If the state where you reside has a policy that you must get the SR-22 form filed before being able to drive, you can only get DUI auto insurance from a state sanctioned auto insurance company that offers those policies.

Getting a DUI is a difficult thing and you may want to get a new policy quickly to resume driving.

This list is generally limited, which means you may only have two or three possible options for DUI auto insurance. The best thing you can do is speak with each company and compare their quotes.

Even with these limited options, you must still make good decisions regarding auto insurance. Look at the quotes offered by all the companies, compare the level of coverage on offer and make an informed decision.

Getting a DUI is a difficult thing and you may want to get a new policy quickly to resume driving. However, picking the wrong policy will result in you paying a lot more for limited insurance. It is better to take your time and find the best DUI auto insurance policy available.

If a few years pass and you do not get into any more trouble, the SR-22 requirement will go away and you can go back to looking at regular insurance providers for an auto insurance policy.

Ways to Save Money on Auto Insurance

If you happen to get a DUI, you are going to pay a lot of money for auto insurance. There is no other way around it.

Driving safely in general is another way to avoid high premium rates. Do not get into accidents because of negligence or risky driving.

This is one of those cases where prevention is the best way to save money. If you do not want to pay twice as much as other individuals for auto insurance, do not drink and drive. Even if you think you are safe to drive, it is better to play it safe and let someone else get behind the wheel.

Driving safely in general is another way to avoid high premium rates. Do not get into accidents because of negligence or risky driving. Do not get unnecessary traffic violations. Pay your premiums on time and take driving safety courses.

All of these actions will help you pay less for auto insurance every single year.

If you do get a DUI, you cannot change the past. But you can ensure that your driving record is spotless from this moment forward.