Car Insurance After a DUI: Your Comprehensive Guide

Car Insurance After a DUI: Your Comprehensive Guide

If you’ve recently been convicted of a DUI (Driving Under the Influence) offense, you’re likely facing a host of challenges, one of which is securing affordable car insurance.

Getting car insurance after a DUI can be a daunting task, but with the right information and strategies, you can find the coverage you need without breaking the bank.

In this article, we’ll walk you through the key aspects of obtaining car insurance after a DUI.

Understanding the Impact of a DUI on Car Insurance

A DUI conviction has significant repercussions for your car insurance. Here’s what you need to know:

Increased Premiums

After a DUI, you can expect a substantial increase in your car insurance premiums. This is due to the increased risk you pose to insurers.

SR-22 Requirement

In many states, individuals with a DUI must file an SR-22 form, which certifies that you have the minimum required insurance coverage. This can result in additional costs.

Steps to Secure Car Insurance After a DUI

To find affordable car insurance post-DUI, follow these steps:

1. Shop Around

  • Compare Multiple Quotes: Get quotes from various insurance companies to find the best rates.
  • Consider Non-Standard Insurers: Some companies specialize in providing coverage to high-risk drivers.

2. Improve Your Driving Record

  • Attend Defensive Driving Courses: Completing a defensive driving course can help demonstrate your commitment to safe driving.
  • Maintain a Clean Record: Avoid any further traffic violations to improve your chances of lower premiums.

3. Bundle Policies

  • Combine Home and Auto Insurance: Bundling your policies can lead to significant discounts.
  • Multi-Car Discounts: If you have multiple vehicles, insure them with the same provider for additional savings.

4. Raise Deductibles

  • Higher Deductibles: Increasing your deductible can lower your premium, but be prepared to pay more out-of-pocket in case of a claim.

5. Maintain Continuous Coverage

  • Avoid Lapses: Keep your insurance coverage active without any gaps to demonstrate responsibility.

6. Consider a Telematics Device

  • Usage-Based Insurance: Some insurers offer discounts to policyholders who install telematics devices to monitor their driving habits.

Factors Affecting Post-DUI Insurance Rates

When obtaining car insurance after a DUI, your rates will be influenced by various factors, including:

  • Location: Where you live can impact your rates due to local accident and crime rates.
  • Age and Gender: Younger and male drivers tend to pay higher premiums.
  • Vehicle Type: The make and model of your car can affect your insurance costs.
  • Driving History: A more extensive history of accidents and violations will lead to higher rates.
  • Credit Score: In some states, your credit score can be a factor in determining your premium.

=========================================

While securing car insurance after a DUI can be challenging, it’s not impossible. By shopping around, improving your driving record, and considering various strategies to lower your premiums, you can find the coverage you need without breaking the bank. Remember that time and responsible driving habits can eventually lead to more affordable rates, so stay committed to making positive changes in your life post-DUI.

What Is The Cheapest Insurance If You Have A DUI?

What Is The Cheapest Insurance If You Have A DUI

USAA, Progressive, and American Family provide car insurance policies for less than $3,000 annually, on average, for drivers who have recently been convicted of a DUI. It’s prudent to obtain and compare car insurance quotes from multiple companies since rates can vary significantly among insurers.

When examining the impact of a DUI on car insurance rates across 10 major insurance companies, we discovered that the rate increases varied from 29% for Allstate and Progressive to 148% for Westfield. It’s essential to consider the total monthly or yearly premium, not just the surcharge for the DUI. For example, while USAA imposes an average increase of 95% after a DUI, it still offers the most economical average rate of $2,751 per year, making it the lowest among top competitors. Progressive and Allstate also offer relatively low rate hikes following a DUI.

Below is a summary of the average annual rates for good drivers, the average annual rates after one DUI, and the average rate increase after a DUI for various insurance companies:

Company Average Annual Rates for Good Driver Average Annual Rates After One DUI Average Rate Increase After a DUI
USAA* $1,412 $2,751 95%
Progressive $2,157 $2,776 29%
American Family $2,176 $2,983 37%
State Farm $1,959 $3,235 65%
Auto-Owners $1,628 $3,363 107%
Erie $2,144 $3,390 58%
Geico $1,716 $3,451 101%
Farmers $2,381 $3,517 48%
Travelers $1,852 $3,675 98%
Nationwide $2,041 $3,677 80%
Allstate $3,000 $3,856 29%
Safe Auto $2,647 $3,874 46%
Westfield $1,759 $4,357 148%

These rates are based on coverage with limits of $100,000 bodily injury per person, $300,000 bodily injury per accident, and $100,000 for property damage (100/300/100), including collision and comprehensive insurance, and uninsured motorist coverage. Source: Quadrant Information Services. (Note: USAA car insurance is exclusively available to military members, veterans, and their families.)

To find the most affordable DUI insurance in your state, here are the cheapest insurance companies and their annual costs for drivers with a DUI:

State Average Annual Car Insurance Cost for Good Drivers Annual Car Insurance Cost After a DUI Average Car Insurance Rate Increase After a DUI
Alabama $1,809 $3,069 70%
Alaska $2,323 $3,093 33%
Arizona $1,696 $2,748 62%
Arkansas $1,961 $2,939 50%
California $2,476 $5,716 131%
Colorado $2,489 $4,243 70%
Connecticut $1,730 $3,161 83%
Delaware $2,431 $4,018 69%
Florida $4,326 $5,768 33%
Georgia $2,181 $4,208 93%
Hawaii $1,633 $5,202 219%
Idaho $1,021 $1,688 65%
Illinois $2,345 $4,296 83%
Indiana $1,454 $2,810 93%
Iowa $1,238 $2,480 100%
Kansas $1,693 $2,766 63%
Kentucky $1,979 $3,492 76%
Louisiana $3,629 $5,231 38%
Maine $1,216 $2,397 97%
Maryland $3,368 $5,797 70%
Massachusetts $2,333 $4,532 94%
Michigan $2,995 $8,719 191%
Minnesota $2,360 $4,124 75%
Mississippi $1,704 $2,768 62%
Missouri $2,323 $3,093 33%
Montana $1,770 $2,752 55%
Nebraska $1,558 $2,935 88%
Nevada $3,342 $4,965 49%
New Hampshire $1,411 $3,185 126%
New Jersey $2,240 $4,084 82%
New Mexico $2,104 $3,211 53%
New York $4,769 $8,564 80%
North Carolina $1,307 $4,783 266%
North Dakota $1,319 $2,356 79%
Ohio $1,133 $2,300 100%
Oklahoma $2,291 $3,667 60%
Oregon $1,459 $2,447 68%
Pennsylvania $3,600 $6,595 83%
Rhode Island $2,715 $4,487 65%
South Carolina $2,387 $3,555 38%
South Dakota $1,821 $3,357 84%
Tennessee $1,720 $3,527 105%
Texas $2,938 $4,467 52%
Utah $1,994 $3,455 73%
Vermont $1,037 $2,516 143%
Virginia $1,511 $2,812 86%
Washington $1,829 $2,842 55%
West Virginia $1,688 $3,041 80%
Wisconsin $1,905 $3,474 82%
Wyoming $1,341 $2,240 67%

We averaged the rate increase in each state among major insurers for drivers with liability coverage of $100,000 bodily injury per person, $300,000 bodily injury per accident, $100,000 for property damage (100/300/100), and collision and comprehensive insurance, along with uninsured motorist coverage. Source: Quadrant Information Services. (*USAA car insurance is exclusively available to military members, veterans, and their families.)

To secure more affordable insurance rates even with a DUI on your record, consider the following strategies:

  1. Ask About Discounts: Although you may lose your good driver discount and incur a rate surcharge, you can still seek discounted car insurance after a DUI by paying in full, insuring multiple vehicles, or bundling auto and homeowners policies. Don’t hesitate to inquire with your insurance agent about eligible discounts to obtain the best possible rate.
  2. Demonstrate Safe Driving: Maintain a clean record without accidents and traffic violations, especially another DUI. While it may take time, this can eventually lead to your placement in a lower-risk tier.
  3. Shop Around for Car Insurance: Shopping around with multiple insurance companies to compare car insurance quotes is the most effective way to save money. After your current insurer raises your rates due to the DUI, compare that rate with others to find the most affordable rates. Keep in mind that the duration and reduction of the surcharge may vary among different insurance companies, so be sure to explore your options thoroughly.

When looking for the most economical car insurance after a DUI, the first step is to obtain quotes from multiple car insurance companies. Begin by requesting quotes for the same coverage level from insurers with the lowest car insurance rates following a DUI.

Contact these companies and request quotes while making sure to maximize available discounts, such as bundling car and home insurance, including multiple vehicles on the same policy, and paying in full.

By comparing these quotes, you can identify the insurer offering the best overall rate for your specific situation.

How Much Is Car Insurance After A DUI In Florida?

In the absence of a DUI, Florida drivers typically spend an annual average of $2,067 for full coverage auto insurance.

However, if you have a DUI on your record, your full coverage premium may surge by approximately 71%, resulting in an annual cost of approximately $3,536.

Following a DUI conviction, insurance companies perceive you as a higher-risk driver, increasing your premiums due to the elevated likelihood of filing a claim.

[ps2id id=’end’ target=”/]┬áThe End