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: Sep 28, 2020

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Key takeaways...

  • The non-standard or specialized car insurance companies are those who provide coverage for high-risk drivers.
  • Car insurance comparison is critical for any driver convicted of a DUI charge
  • Should you move to another state, the SR-22 follows you to your new destination.

DUI is short for “driving under the influence.”

Some states refer to driving under the influence of DWI. However, the most common acronym is DUI.

A DUI charge is a serious offense and can even carry prison terms for persons arrested multiple times.

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Table of Contents

What happens when you are charged with DUI?

Even a first time offender is subject to hefty fines, strict restrictions or suspension of their driver’s license and sometimes mandatory drug/alcohol counseling in some states.

When a driver is convicted of a DUI offense, car insurance companies automatically classify the driver as high risk and re-adjust car insurance premiums in line with this higher risk assessment. In short, what was once affordable car insurance may become quite stiff.

After your driver’s license suspension is over, there are specific steps you need to take to re-establish your driving rights and find affordable DUI Car Insurance.

Although relatively simple these steps are critical otherwise you may be arrested for driving with a suspended license. This is a felony in some states depending on how long the license has been suspended or expired.

Finding a DUI Car Insurance Company may be a challenging task, so you have to compare car insurance companies – even contacting multiple providers over a few days.

The best-known car insurance companies are the standard insurance companies that target the majority of drivers who have good driving records, no accident history, and relative little claims history.

The non-standard or specialized car insurance companies are those who provide coverage for high-risk drivers.

The risk factor for a person convicted of a DUI charge is high, yet depending on the particular auto insurance company and your overall profile you may still find a vast difference in car insurance quotes from one provider to another.

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Understanding the SR-22 Form

To get your drivers license off suspension following a DUI charge, you must file an SR-22 car insurance form.

The SR-22 is a certificate required by states to verify an individual has auto insurance liability coverage and is supplied by your chosen car insurance company.

The primary purpose of this form is to ascertain and confirm your financial status and your ability to pay the premiums required by the insurance company.

The SR-22 form runs for a full three years in most cases, and the premiums must be met for this period. Should you move to another state, the SR-22 follows you to your new destination.

In the event, your car insurance lapses while on an SR-22 form, the state has the right to suspend your driver’s license.

Once the three year period is over, the car insurance company will file a report advising the Department of Motor Vehicles you have complied with all the rules and regulations and financial responsibility for the period and released the constrictions of the form.

It is essential that drivers who have an active SR-22 form on file ensure all of their car insurance premiums are paid on time and kept current.

Is there a national database of DUI convictions or license suspension?

Yes, there is a national database 45 states currently share regarding the status of driver’s licenses.

The moment a drivers license is suspended all states are alerted and may enforce its conditions.

There are a few states excluded from this database currently including Tennessee, Massachusetts, Michigan, and Georgia.

When can I qualify for cheap car insurance rates?

Once the three-year term of the SR-22 is complete, you really should start car insurance comparison again as many consumers often qualify for the best rates as soon as the SR 22 form has been cleared.

Drinking and Driving is a dangerous act and something all states have equally serious consequences for drivers convicted of driving under the influence.

While maintaining affordable car insurance is a crucial element for your financial goals – you should always be more concerned about making safe and drinking and driving is never a good idea.

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References:

  1. https://www.esurance.com/info/car/how-a-dui-affects-car-insurance-premiums
  2. https://www.thebalance.com/how-to-get-your-driving-record-527249
  3. https://www.progressive.com/classic-car-insurance/