If you have a recent DUI on your driving record, it can be quite difficult to find affordable car insurance. However, if you compare prices, it's possible to find reasonable DUI insurance rates. Someone who has been driving for many years without fines or accidents will be a prime risk, and will get the lowest rates. Someone with less experience, or a driver with some fines, is a standard risk with average rates.
A person with a DUI, or with a lot of fines and accidents, is a high-risk driver and has higher rates. Drivers who have a clean driving record are more likely to continue driving safely and avoid accidents, giving them the advantage of receiving the cheapest rate from auto insurance companies. Others may find that their policies are not renewed or that they are denied coverage if they look for a new auto insurance provider. Depending on the severity of the incident, some drivers may be charged a surcharge on their car insurance policies, significantly increasing their car insurance premium.
The main caveat is that car insurance is often more expensive for drivers with a DUI and the company's options may be more limited, but comparing prices and asking for quotes with several companies can help you find affordable car insurance. Car insurance can protect you financially while you're driving, and virtually every state requires that you have it. If your state requires you to file an SR-22 to show that you meet your state's minimum insurance requirements, they require that your insurance company endorse the form or file it directly on your behalf. According to NerdWallet, after you're caught driving under the influence of alcohol, you can expect your car insurance rates to increase by more than 75 percent.
You can also get a discount for combining your car insurance with your homeowner's or renters policy at the same insurance company. In addition, location-specific factors, such as population density, the likelihood of causing an at-fault accident, and the average cost of a car insurance claim, can affect the average car insurance premiums in a given state. DUI insurance is often more expensive than other auto insurance, but over time, with a history of safe driving, your rates can drop again. Just make sure you don't raise it so much as to put you in financial trouble if your car needs to be repaired due to an insurance claim.
If your state requires that you have SR-22 coverage to restore a suspended license after a DUI, you can purchase it through your auto insurance company. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If you're looking for a car after your license is returned to you, be sure to get insurance quotes before making a decision. However, since many companies don't insure a driver after a DUI, the phrase is commonly used to draw attention to the incident when looking for car insurance.