How Does A DUI Affect Your Auto Insurance?

A DUI (Driving Under the Influence) conviction can have significant consequences on your life, including your auto insurance.

​Here's how a DUI affects your auto insurance and what you can do to navigate the situation.

1. Increased Premiums
One of the most immediate and noticeable effects of a DUI on your auto insurance is the increase in premiums. Insurance companies view drivers with a DUI as high-risk, meaning they are more likely to be involved in future accidents. As a result, your rates can skyrocket—sometimes doubling or even tripling.

2. Policy Cancellation or Non-Renewal
In some cases, your insurance company may choose to cancel your policy or not renew it after a DUI conviction. This can leave you in a difficult position because it can be challenging to find a new insurer after a cancellation.

3. SR-22 Requirement
After a DUI, many states require drivers to file an SR-22, which is a certificate of financial responsibility. An SR-22 is not insurance itself, but rather a document that your insurance company files with the state to prove you have a certain amount of coverage (ex. 6 month coverage paid in full). The need for an SR-22 can result in additional fees and may likely limit your insurance options to high-risk providers.

4. Long-Term Financial Impact
The financial impact of a DUI can extend well beyond the immediate aftermath. A DUI conviction can stay on your driving record typically for 3 to 7 years, depending on your state. During this time, you may face elevated insurance premiums.

5. Impact on Other Policies
If you have multiple types of insurance with the same company like homeowners or renters insurance, a DUI can impact those policies, too. Some insurers might raise the rates on your other policies, eliminate discounts you have, or even cancel your policies, depending on their internal guidelines.

What You Can Do After a DUI

• Shop Around:. Shopping around can help you find more competitive rates and better coverage options, even as a high-risk driver.
• Consider Defensive Driving Courses: In some cases, taking a defensive driving course can help reduce your insurance premiums or demonstrate to insurers that you’re taking steps to improve your driving habits.
• Maintain a Clean Record: Obviously, you need to avoid further traffic violations. Over time, as you maintain a clean driving record, you may regain access to better insurance rates.
• Work with an Independent Insurance Agent: Navigating the insurance landscape after a DUI can be complex. An independent insurance agent has numbers of companies he can shop and can help you find the best policy for your needs.

A DUI can have a lasting impact on your auto insurance.  If you’re facing increased premiums or policy cancellations, consider reaching out to an independent insurance agent who can guide you through your options and help you find the best possible solution:  706-726-1446.

Other posts you might be interested in:
Why Should You Bundle Your Home And Auto Insurance?
When Is Bundling Home And Auto Insurance Not A Good Idea?