Can I get car insurance after a DUI?
Getting car insurance after a DUI can be difficult but not impossible. The first step to get car insurance after a DUI is to contact your provider, tell them you've been charged with DUI or DWI, and apply for high-risk car insurance. If your provider doesn't offer high-risk car insurance coverage, you can compare high-risk car insurance rates online to find affordable car insurance after a DUI. Enter your ZIP code below to compare now.
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Written by
Jessica Sautter
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Reviewed by
Chris Harrigan
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UPDATED: Sep 14, 2020
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- Car insurance is much more difficult to get after a DUI or DWI conviction, however, it’s not impossible, just more expensive
- Almost any driver convicted of a DUI or DWI charge will be required to file and comply with a SR-22 form before getting their driving privileges reinstated
- Make sure you shop around to ensure you aren’t overpaying for the coverage you need
Car insurance is much more difficult to get after a DUI or DWI conviction, however, it’s not impossible, just more expensive.
In addition to higher car insurance rates and a limited choice of car insurance companies drivers who have been convicted of a DUI or DWI charge are also subject to monitoring for a certain period of time by both auto insurance companies and the State Department of Motor Vehicles (DMV).
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How do car insurance companies and the DMV monitor you?
Almost any driver convicted of a DUI or DWI charge will be required to file and comply with a SR-22 form before getting their driving privileges reinstated.
Have a DUI conviction and need a car insurance quote? Use our free quote tool to start comparing car insurance company quotes to help find the best rates available for your unique profile!
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What is the SR-22 form?
The SR-22 form is a form required for high-risk drivers by a State’s Department of Motor Vehicles.
If your license was suspended due to a high-risk driving incident conviction (such as a DUI or DWI) you will not be able to renew or reinstate your driver’s license until an SR-22 form is filed.
The SR-22 is not a type of insurance but a rather a form proving you have a proper financial responsibility in place which (depending on the state) means proof of sufficient car insurance, proof of a cash deposit with the state or even possibly verifiable funds in a CD.
The exact requirements for the SR-22 form will vary depending on your state but most people simply opt to show proof of a car insurance policy.
Who completes the SR-22 form?
The driver never completes an SR-22 form in almost all states.
What happens is when you apply for a high-risk car insurance policy and are approved the car insurance company will complete the SR-22 form and send into the DMV on your behalf?
Once the form is received, reviewed, accepted and logged in to the driver’s license system then you can go ahead and request driving privileges reinstated or renewed.
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Is a DUI different than DWI?
No. Some states use DUI (driving under influence) while others use DWI (driving while intoxicated). It’s essentially just a matter of semantics as both acronyms represent the drinking an driving law in a particular state.
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DUI Car Insurance Rates — how high are they?
This depends on a number of factors including your unique profile, however, be assured that anybody convicted of a DUI or DWI charge will ay a lot more in car insurance and have limited car insurance companies to choose from
How do I get the best DWI car insurance rates?
Comparison is the key. Drivers convicted of a DUI charge need to shop around for car insurance rate more than ever before.
Due to the nature of any high-risk financial product rates can vary greatly and often stick shock people if they do not compare rates.
Take your time and learn about insurance, then contact several car insurance companies to compare DUI car insurance rates.