How Will a DUI Affect My Insurance?

Drunk driving has serious consequences. Aside from the obvious risks you pose to yourself and other drivers, you face the risk of your insurance policy being canceled or non-renewed. Even if your policy is not canceled, you could face a substantial increase in your insurance premium.

No Immediate Consequences

Often, Insurance companies only check your driving record upon renewal. So they may not immediately find out about your violation. Pay your bills on time and do not try to chance policies.

Cancellation

If your insurance carrier is notified of your DUI conviction, they may choose to cancel or not renew your policy. This is left to the discretion of your insurance carrier. If your policy is canceled, you may be offered a policy with your carrier's high risk coverage program.

Loss of Discounts

Even if you are not dropped by the insurance company, you may suffer a loss of any good driving discounts you may have qualified for previously.

Options After Cancellation

If your insurance policy is canceled, you will need to obtain new coverage as soon as possible, since in most states it is illegal to drive without insurance. You may be able to obtain coverage through a company that specializes in insuring high risk drivers.

SR22 Coverage

After a DUI conviction, some states require you to purchase SR22 insurance coverage. The SR22 insurance certificate must be filed with the state department of motor vehicles to avoid suspension of your driver's license.

References

• DUI Convictions and Car Insurance
• DUI Effects on Car Insurance

Resources

• How to Obtain an Insurance Quote After a DUI Conviction