How to Obtain Auto Insurance with A DUI

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How to Obtain Auto Insurance with A DUI

If you have ever been convicted of a DUI or driving while under the influence, you will be required to purchase a DUI auto insurance policy. The majority of insurance providers will either fail to renew or cancel your current auto insurance policy if you have a DUI on your driving record.

Fortunately, some insurance companies will sell you auto insurance even if you have a DUI. However, you will have to pay a higher premium. Insurance companies will also classify you as a high-risk driver.

DUI Auto Insurance Rates

It is important to note that the cost of a DIU auto insurance policy may be as high as 200 to 300 percent more than a regular policy. Because there are no laws to regular the premiums for DUI auto insurance, the rates can vary greatly across the country. Therefore, you should spend some time comparing rates from various insurance providers before purchasing your DUI auto insurance policy.
If you have been convicted of drunk driving, your driver’s license will either be revoked or suspended. In 41 states of the US, your driver’s license can also be taken if you fail or refuse to take an alcohol test.
SR-22 Insurance Coverage
If you are convicted of a DUI or driving under the influence, you must show your local Department of Motor Vehicles (DMV) proof that you have auto insurance with a DUI. You will normally be required to follow this procedures for a period of three to five years, depending on the state in which you live and your particular situation. Your insurance company will provide your local DMV with an SR-22 form. This provides proof that you have obtained DUI auto insurance so the suspension of your driver’s license can be lifted.

The length of time you are charged the higher DUI auto insurance rate depends on several factors, including the rules in your state and the policy of the particular insurance company. The length of time that a DUI conviction will remain on an individual’s driving record varies for each state. However, you will continue to pay a much higher premium for as long as your driving record includes your DUI conviction.

There are various methods used by insurance companies to rate and verify drivers. An insurance company may check your motor vehicle record only when you apply for a new insurance policy or once every two to three years. Certain driving convictions or tickets may not ever appear on your driving record. However, you will have to pay a significantly higher amount for your auto insurance if you have ever been convicted of a DUI, even if you are a first-time offender. Although the cost of DUI auto insurance is much higher than regular car insurance, you will need to purchase it if you want the privilege of being able to drive. You don’t want to risk driving without insurance in case you are ever involved in a motor vehicle accident.

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