Driving under the influence and driving while intoxicated are both considered high-risk activities by all auto insurance companies. There are insurance options available for drivers who have a DUI or DWI on record.
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An insurance company cannot drop you in the middle of a policy for having a DUI or DWI.
However, they do have the option to not renew your policy as they deem you to be too high of a risk.
All insurance rates are calculated based on a risk-based analysis.
Auto insurance companies have to pay the most when another driver is injured as a result of a car accident that is caused by a vehicle they insure.
If you have a DUI or DWI, that substantially increases the risk of causing physical harm or fatality to another driver.
If your insurance company does choose to not renew your policy, there are alternative options available.
Are there any state insurance requirements after having a DUI or DWI?
It is more difficult to find an insurance company that will take on a new client with a DUI or DWI on record. These violations can stay on your driving record for up to 10 years in some states.
Many states require you to file an SR-22 form with your insurance company.
The insurance company then has to notify the department of motor vehicles if they are canceling this insurance policy or not renewing it for any reason.
The purpose of this form is to ensure that drivers who are considered high risk have the necessary liability required by state auto insurance laws.
Not all insurance companies are capable of handling policies that require the SR-22 form. Your current insurance company may be required to drop you as a client for that specific reason.
When you are searching for insurance, you will need to make sure that the company can write SR-22 policies.
Not all states require this form to be filed. The states that do require this form to be filed will keep your license suspended until the form is filed.
There are few states that do not require the SR-22. These states are: New York, North Carolina, Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania.
Where can I obtain auto insurance after having a DUI or DWI?
After having a DUI or DWI, the best place to start looking may be for non-standard auto insurance. Non-standard auto insurance is intended for high-risk drivers that are unable to obtain standard insurance.
Depending on your specific circumstances, you may still be able to obtain standard auto insurance. The premium is usually higher if this is the case.
Companies that specialize in non-standard auto insurance should also be able to handle the SR-22 form if you live in a state that requires this to be filed.
This will be the place to search for insurance after you have a DUI or DWI.
How can I save money on auto insurance after a DUI or DWI?
A DUI and DWI are considered the highest risk activities in the eyes of the insurance companies. If you have one of these on your record, it may take a while before you can find insurance at a desirable price.
There are still ways to keep the costs down or save money over time on your insurance.
A DUI and DWI can stay on your record for up to 10 years depending on the state. You will want to absolutely avoid getting another one of these violations.
Aside from the additional court costs and fees, it may be nearly impossible to find an insurance company to insure you with two drunken driving violations on record.
If you maintain a good driving record, your insurance rates may decrease over time. Depending on the insurance company, you may be able to save money by attending driver’s education courses.
You will want to comply with anything that is ruled by the court including safety or alcohol classes.
The most important thing is to drive safely and to avoid any traffic violations at all cost. With a DUI or DWI, you are automatically deemed a high-risk driver.
With the violation staying on your record for an extended period of time, you will not want to add negative items to your driving record.
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