How to Get Auto Insurance With a DUI on Your Record

Navigating the world of auto insurance can be daunting, especially if you have a conviction on your record. A DUI can significantly impact your insurance rates and options, making it crucial to understand how to secure coverage effectively.

Steps to Get Auto Insurance After a DUI

The following are some steps to help you navigate the process and secure coverage:

1. Understand the impact of a DUI on insurance rates. Insurers view DUI drivers as high-risk, leading to increased premiums. The duration of the rate hike varies by state and insurer, typically lasting three to five years.

2. Shop around for quotes. Different insurers have varying policies regarding DUI convictions. Certain providers focus on high-risk drivers and might offer more favorable rates. By comparing quotes from various insurers, you can identify the best deal.

3. Fire an SR-22 form. In many states, a DUI conviction requires filing an SR-22 form, which proves you have the minimum required insurance coverage. Not all insurers offer SR-22 filings, so it’s essential to find one that does.

4. Improve your driving record. Maintaining a clean driving record post-DUI can help reduce your insurance rates over time. Avoid traffic violations and accidents to demonstrate responsible driving behavior. Some insurers may lower your premiums if you show improvement.

5. Explore discounts. Even with a DUI, you may qualify for various discounts. Certain insurers offer discounts for taking defensive driving courses, installing antitheft devices or combining multiple policies. Ask your insurer about available discounts to reduce your premium.

6. Consider nonowner insurance. Nonowner insurance can be an option if you don’t own a car but still need insurance. This type of policy can offer liability coverage when driving a borrowed or rented vehicle. It’s often cheaper and can fulfill SR-22 requirements.

Learn More

For auto insurance near you, contact Ashley Taylor Insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.