“DUI insurance" is an informal term used to describe auto insurance coverage obtained by a driver after a DUI or DWI conviction. It is not a separate type of policy. Instead, it refers to the coverage a high-risk driver may need to maintain after a conviction, often with additional state requirements and higher insurance premiums.
Drivers searching for DUI insurance, car insurance after DUI, or DWI insurance are typically looking for coverage options that meet state requirements while helping them stay legally insured following a conviction.
What may change after a DUI conviction?
A DUI conviction is generally considered a serious driving violation by insurance companies and may affect your coverage in several ways.
SR-22 filing requirement
Some states require drivers convicted of a DUI to file an SR-22. An SR-22 is not an insurance policy. It is a certificate of financial responsibility filed by your insurer with the state to verify that you carry the required minimum auto insurance coverage. If you need an SR-22 after a DUI, your insurance company may be able to file it on your behalf.
Higher premiums
A DUI conviction may result in a significant increase in auto insurance premiums. Insurance companies often classify drivers with a DUI as higher risk, which can lead to increased rates. The amount of the increase varies by insurer, state, driving history, and other rating factors.
Policy cancellation
In some cases, an insurer may cancel or choose not to renew an existing policy after a DUI conviction. If this happens, drivers may need to find coverage through another carrier that offers DUI high-risk auto insurance solutions.
Because not all insurance companies provide coverage to drivers with DUI convictions, it may be necessary to work with insurers that specialize in high-risk drivers.
How long does a DUI affect insurance?
Many drivers ask, "How long does DUI affect insurance?" The answer depends on state laws and individual insurance company guidelines.
An SR-22 filing requirement may need to remain active for a specific period before it can be removed. In addition, a DUI conviction may stay on a driving record for several years and continue to influence insurance rates during that time.
Because every situation is different, the length of time a DUI affects insurance costs can vary significantly.
Finding coverage after a DUI
Understanding how a DUI affects car insurance rates can help drivers make informed decisions about their coverage options.
Find affordable auto insurance options
Infinity Insurance Agency, Inc. (IIA) works with more than 20 insurance carriers to help drivers find coverage that fits their unique situation, including drivers who may need an SR-22 filing after a DUI conviction.
Our experienced Spanish-bilingual agents can help you understand your options and compare available policies. Call 1-855-478-3705 or get a free quote online today.
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