Insurance After a DUI
After a DUI, some carriers will not write you at all and others will price you as though you are a different person. Both are true, and neither is permanent.
- Carriers that write high-risk drivers without inflating every other coverage
- SR-22 or FR-44 filing handled as part of the policy
- A plan for getting the rate back down as the violation ages
Request a insurance after a dui quote
Tell us what you need covered. A licensed agent follows up with options, usually the same business day.
What a insurance after a dui policy actually does
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Finding a carrier that will write you
The single biggest variable after a DUI is which company you are with. Rate differences between carriers for the same driver are frequently larger than the increase itself.
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State filing
If your state requires an SR-22 or FR-44, the filing is submitted as part of issuing the policy.
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Standard coverages
Liability, collision, comprehensive, and uninsured motorist all still apply. A DUI changes the price, not the coverages available to you.
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Non-owner policies
If you no longer own a vehicle but need a filing to reinstate your licence, a non-owner policy satisfies it.
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Re-rating over time
Most states drop a DUI out of rating after a defined period. Reviewing your policy annually is how you actually capture that reduction rather than waiting for it to appear.
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Any coverage for the incident itself
A policy bought after a violation does not apply retroactively to it.
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Relief from the legal consequences
Insurance addresses the coverage requirement. Fines, suspension, and court conditions are separate and unaffected.
Insurance After a DUI questions
How long does a DUI affect my rate?
Commonly three to five years in rating and up to ten years on your driving record, depending on the state. Carriers differ substantially in how heavily they weigh it and for how long.
Will my current insurer drop me?
Some non-renew after a DUI, some do not. Finding out at renewal is worse than finding out now, because a lapse compounds the problem.
Is an FR-44 different from an SR-22?
Yes, and it is more demanding. A handful of states use it for alcohol-related violations and require much higher liability limits.
Does the rate come back down?
Yes, as the violation ages out of the rating period, but usually only if someone actively re-shops the policy. It rarely corrects itself.
Related coverage
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Car Insurance
Liability, collision, comprehensive, and the state-required minimums, explained in plain language, quoted by a licensed agent.
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SR-22 Insurance
An SR-22 is a certificate your insurer files with the state, not a policy. We handle the filing alongside the coverage it has to attach to.
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Motorcycle Insurance
Coverage that accounts for how a bike is actually ridden and stored, including custom parts your auto policy would not touch.
Not sure what you need?
Tell a licensed agent what you're insuring and what you're worried about. We'll walk through the options and what each one actually costs.