Car insurance after a DUI charge can be stressful. It is costly and takes some time to get over it. You may find it difficult to get insured.
A DUI is the driving of an automobile while under the influence of drugs or alcohol, and this has a consequence on your car insurance.
Can You Still Get A Car Insurance After A DUI?
How Much Does Your Car Insurance Go Up After A DUI?
How Long Does A DUI Affect Your Vehicle Insurance Rate?
It may take between 3 – 6 years to get your DUI charge taken out from your history, and this depends on the insurer as well as your state laws.
Before your renewal time and when you apply for an insurance policy, insurers review your driving history. Once a DUI is spotted in your record, it raises a red flag for the insurer. The company, in turn, increases your premium and keeps it high for upwards of three to six years depending on certain factors like:
- The extent a DUI remains on your driving record.
- The time frame your state insurance laws allow a DUI to raise rates.
- Your age. Car insurance companies consider younger drivers as riskier to insure.
- Number of DUIs within a certain time frame.
- The insurance company. Different companies use different calculations to set rates.
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Required Insurance Documents After A DUI
If you have a DUI, in most states, you may be required to show evidence of an SR-22 filing – a form filed by your insurer that indicates you consistently meet minimum coverage requirements. But in Florida or Virginia, you may rather be required to have an FR-44 certification
Which Is The Cheapest Car Insurance Company After A DUI?
To make your search easier for the auto insurance company with the cheapest rates, a team from Rateforce did research on the best companies to get DUI insurance.
Below is a list of 12 car insurance companies that offer the cheapest rates for DUI drivers, as published by rateforce.com.
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