If I’ve Gotten a DUI, How Can I Get Insurance?
A conviction for driving under the influence (DUI) or driving while intoxicated carries hefty penalties. This type of moving violation can also make it more difficult to get appropriate auto insurance coverage.
In California, a first DUI offense may result in a suspension of your driver’s license. You may have to file an SR-22 form to get your license reinstated.
What Is an SR-22 Form?
An SR-22 form is the paperwork your insurer files with the California Department of Motor Vehicles (DMV) on your behalf. It proves that your auto insurance policy meets California’s minimum auto liability coverage requirements.
If you are required to file an SR-22 form, it’s essential to contact your agent to discuss your options. Your insurer may charge a fee to file this form. Some insurers will not file SR-22, however, and may drop your coverage if you are required to file this form.
Is Auto Insurance with a DUI Expensive?
Drivers with serious moving violations, including DUI, will generally pay more for insurance coverage. Your agent may be able to help you with the following:
- Discover discounts that may help lower your auto insurance premiums, such as bundling your home and auto policies.
- Compare auto insurance premiums from multiple insurers.
- Find other ways to lower your premiums, such as increasing your deductibles.
Do I Need DUI Insurance if I Don’t Own a Car?
California drivers who must file SR-22 after a DUI conviction but who don’t have a vehicle registered in their name may be able to purchase a non-owner auto liability policy.
Unlike a typical auto insurance policy, non-owner liability insurance follows the driver, not the car. So if you must file SR-22 and you plan to borrow or rent vehicles, this policy may be a good fit.
If you have a DUI conviction and do not plan to drive during the time that you must file an SR-22 form, contact your agent to learn about your options.
If you have been convicted of DUI, contact All Types Insurance Agency right away. We can help you get appropriate auto insurance coverage at an affordable rate.
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.