Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 6, 2020

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Key takeaways...

  • Drivers convicted of a speeding violation will almost always experience a change in car insurance rates.
  • In some states, driving over 30 mph beyond posted speed limits will land drivers in jail
  • DUI or DWI convictions are a serious offense and car insurance companies have no obligation to insure you

Can drivers be convicted of speeding, DUI or other traffic offenses still get car insurance?

Yes, it is almost always possible for convicted drivers to obtain car insurance but how much car insurance companies charge and choices of coverage will largely depend on exactly why a driver was convicted.

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Table of Contents

Convicted of a Minor Speeding Ticket

Drivers convicted of a speeding violation will almost always experience a change in car insurance rates

However, there are many factors car insurance companies look at for convicted drivers, especially how fast they were going.

In some states, driving over 30 mph beyond posted speed limits will land drivers in jail while others can charge you with reckless driving while others simply charge you a higher fine.

Traffic laws vary from state to state for what is defined as excessive speeding.

For the most part, if you are ticketed for traveling less than 15 mph over the speed limit, this will be considered a minor violation and should not affect your car insurance rates tremendously.

What can happen however is drivers may see a removal of certain car insurance discounts such as a good driver discount which ultimately ends up costing you more than the policy increase simply due to a minor speeding infraction.

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How about a DUI or DWI conviction?

Anyone charged with driving under the influence and convicted of a DWI or DUI offense will start to have headaches with most car insurance companies.

DUI or DWI convictions are a serious offense and car insurance companies have no obligation to insure you.

Not only are you are an irresponsible member of society but you pose probably the greatest risk in the car insurance premium formula.

Many large car insurance companies will deny you coverage outright regardless if you have an 800 credit score and a 10-year-old car.

There are special high-risk car insurance companies around but expect them to charge you double your current premiums or more.

What if I am denied coverage?

This is very common. Think of anyone you know with a pre-existing medical condition who has been trying to obtain private medical insurance and they will almost all share the same story about getting denied coverage.

Traffic violations and DUI convictions are basically your pre-existing conditions when applying for car insurance.

Thankfully, almost all states understand the need for drivers to carry liability car insurance.

They have created state agencies to mandate some car insurance companies to:

  • Participate in the high-risk driver program
  • Offer coverage
  • Maintain premiums below a certain level

People should have access to coverage regardless of past mistakes if they hold a valid drivers license..

Have a speeding ticket or DUI conviction and need car insurance?

The first step should be to contact your current car insurance company and see what potential problems will occur come renewal time.

Convicted drivers will also always want to compare car insurance quotes as the rate increases and policy changes vary greatly from one car insurance company to the next.

Some even provide a waiver for a single speeding ticket within a certain period of time while others do not.

If you are convicted of any moving violation it’s important to understand how your car insurance will be affected right away.

Find the right coverage for FREE! Enter your zip code below to get started now!

References:

  1. https://en.wikipedia.org/wiki/Driving_under_the_influence
  2. https://www.allstate.com/tools-and-resources/car-insurance/ask-agent-premium-deductible-limit.aspx
  3. http://www.stateofflorida.com/dui-information.aspx
  4. https://www.statefarm.com/insurance/auto/coverage-options/liability-coverage
  5. https://www.geico.com/auto-insurance/comparison/