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Can You Get Car Insurance With a DUI?


UPDATED: APR 2022 | 2 MIN READ

car insurance for DUI drivers

If you’ve been convicted of a DUI, you’re likely to find it more difficult to obtain car insurance. A DUI means you’ve been caught driving under the influence of alcohol or drugs. If you’ve made the mistake of getting behind the wheel intoxicated, read on to learn how to keep or get car insurance with a DUI.

Quicklinks: Can You Get Insurance With a DUI?

How Do You Get Car Insurance With a DUI?

Car insurance companies look at the risk of you getting into an accident to figure out your rates. If you have a history of driving under the influence, some insurance companies simply won’t insure you at all.

After being convicted of a DUI, you’ll likely have your license suspended for a while. The duration of the suspension varies from state to state. For example, drunk driving in California will get you a four-month suspension. While some states, like Pennsylvania, don’t have mandatory license suspensions.

Some states allow insurance companies to cancel your insurance if you’re convicted of a DUI. In those states, after your suspension is lifted, you’re going to need to look at getting insurance again.

Shop around for car insurance for DUI drivers

Some insurance companies don’t offer coverage at all if you have a DUI, while others might require you to carry an SR-22. If you have a DUI conviction, it’s important to compare car insurance rates for numerous insurers to make sure you’re getting the best deal possible.

Consider non-owner car insurance

Non-owner car insurance is a cheaper alternative. This is appropriate if you no longer own a vehicle but will be using someone else’s from time to time.

Get an SR-22

In order to get insurance with a DUI, the state may require you to get something called SR-22 insurance. This isn’t an actual insurance policy, but rather proof that you have enough coverage to satisfy the state. 

Ignition interlock device

Some insurance companies let you get insurance coverage with a DUI if you agree to installing an ignition interlock device. This is a device that will measure your blood alcohol concentration and only allow the car to start if yours is lower than a set limit.

How Do Insurance Companies Find Out About a DUI?

Firstly, you need to tell them. You could, in theory, not tell them, but that has a number of consequences.

  1. They are going to find out anyway when they check your driving record before your next renewal.
  2. It can invalidate your current insurance should you need to make a claim.
  3. They could drop you as a customer mid-way through your policy, leaving you without insurance and being potentially unable to find coverage.

How to Find Cheap Car Insurance With a DUI

A DUI can cause your insurance premium to sky rocket, but there’s no reason you shouldn’t still try to get the best deal available.

Compare car insurance rates

Different insurance companies will offer different rates. Some will be prohibitively expensive, but others may be able to offer you discounts even with a DUI on your record. Make sure you shop around to get the best price.

Make driving safely a priority

The more traffic violations you have, the higher your car insurance premium is likely to be. After a certain amount of time, providing you keep a clean driving record, you should see a decrease in your premiums.

FAQs: Car Insurance With a DUI

How much do car insurance rates go up after a DUI?

According to Forbes, you could end up paying an average of 74% higher premiums with a DUI compared to drivers without one.

It varies by insurance provider but some insurers will increase premiums by over 150%.

How long does a DUI stay on your insurance record?

Your driving record will likely show your DUI for three to five years, just like any other traffic violation. However, in some states, like New York, it can be 15 years from the date of conviction. A driving record is different to a criminal record, and it’s likely that your DUI conviction will remain on your criminal record for life.

What’s the difference between a DUI and a DWI?

Where DUI means driving under the influence, while DWI means driving while intoxicated. In some states, these terms are used interchangeably, but others do make a distinction.  In the states that have them as separate crimes, a DUI is the lesser charge. The distinction is often made depending on a person’s blood alcohol concentration.

How do I get SR-22 insurance?

To get SR-22 insurance you have to find an insurance company willing to insure you. They will submit a request for an SR-22 certificate to the state on your behalf.

What’s the best car insurance for DUI drivers?

This depends on a number of factors that includes more than just your driving record. The best car insurance for you will vary depending on your state and other circumstances. Always compare rates to make sure you’re getting the best deal possible.

Getting Car Insurance With a DUI

Driving under the influence, or while intoxicated, is a bad idea, and not just because it’s illegal. It has many ramifications, one of which involves your car insurance. Some insurance companies will refuse to insure you at all, while others will hike up your rate. It’s important to compare car insurance quotes to make sure you‘re getting the best rates, whatever your circumstances. 

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