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How a DUI Conviction Affects Your Car Insurance

Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) is a serious offense. The consequences can be both humiliating and expensive. Aside from license suspension, fines, and attorney fees, there are more long-term consequences, such as the impact on your car insurance rates and coverage.

If you are convicted of a drunk driving violation, your insurance company will find out about the DUI and will deal with you in one of two ways. Your rates will go up, or, your insurance company will simply cancel your policy. If your insurance company raises your premiums but keeps you as an insured, you will likely be labeled as a “high-risk driver.” Most states require the insurance company to provide the state motor vehicle agency (DMV, MVD) with an SR-22 Proof of Insurance Certificate, which removes your license suspension by providing the state with proof that you are insured.

The catch is that not all insurance companies offer SR-22 policies. So your policy may be non-renewed or cancelled simply because the company can no longer provide insurance for you.

If your policy is cancelled or non-renewed, you will still be able to find insurance company that will cover you and file the SR-22 for you so your license may be reinstated. Your rates will most certainly be higher, particularly because a DUI violation remains on your driving record for anywhere from seven years to the rest of your life, depending on the state you’re in. To find new insurance coverage after a DUI, it’s probably best to go through an independent agent who works with many different insurance companies.

Related article: "SR-22 Proof of Insurance Certificate"

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