DUI Insurance Requirements: Step-by-Step Process for Drivers
Getting a DUI (Driving Under the Influence) conviction can have serious consequences on your driving record, insurance rates, and overall financial situation. One of the biggest challenges drivers face after a DUI is finding affordable DUI insurance. Since most insurance companies consider dui Insurance “high-risk drivers,” premiums often increase significantly, and in some cases, you may be required to file an SR-22 or similar form with your state’s Department of Motor Vehicles (DMV).
In this article, we’ll explain what DUI insurance is, how it affects your premiums, and tips for getting the best possible rates after a DUI conviction.
What Is DUI Insurance?
DUI insurance is not a separate insurance policy. It refers to high-risk auto insurance coverage you need after being convicted of driving under the influence.
After a DUI, many states require drivers to file an SR-22 (or FR-44 in some states) to prove they have the minimum required liability coverage. Your insurance provider submits this form to the DMV to confirm that you are financially responsible.
How a DUI Affects Your Car Insurance
A DUI conviction usually leads to:
Significantly higher premiums — Insurance companies see you as a high-risk driver.
Policy cancellation — Some insurers may refuse to renew your policy.
SR-22 or FR-44 filing requirement — Depending on your state’s laws.
Long-term financial impact — A DUI stays on your driving record for 3 to 10 years, depending on where you live.
On average, your insurance rates can increase by 50% to 300% after a DUI conviction.
How to Get DUI Insurance
Here’s a step-by-step process to secure insurance after a DUI:
1. Contact Your Current Insurance Company
Ask if they’ll continue your coverage after a DUI. If they refuse, you’ll need to find a provider specializing in high-risk drivers.
2. Shop Around for Quotes
Not all insurers treat DUI convictions the same way. Compare prices from multiple companies to find the most affordable option.
3. File an SR-22 or FR-44 (If Required)
In most states, you must file an SR-22 form to prove you meet the state’s minimum liability insurance requirements. Your insurer will handle the filing on your behalf.
4. Maintain Continuous Coverage
Losing coverage after a DUI can make it even harder to get affordable insurance in the future. Always keep your policy active.
How Long Do You Need DUI Insurance?
In most states, drivers are required to maintain high-risk coverage for 3 to 5 years after a DUI. However, the duration varies depending on your location and driving history. Missing a payment or letting your policy lapse may restart the filing period, so it’s crucial to stay insured.
Tips to Lower Your DUI Insurance Costs
Even though insurance is expensive after a DUI, you can take steps to reduce your premiums:
Compare quotes from multiple companies
Take a defensive driving course to qualify for discounts
Bundle your auto insurance with home or renters insurance
Maintain a clean driving record going forward
Increase your deductible to lower monthly payments
DUI Insurance vs. SR-22 Insurance
While DUI insurance refers to coverage for high-risk drivers, SR-22 insurance specifically refers to the certificate of financial responsibility required after certain violations, including DUIs. In many cases, you’ll need both — standard insurance plus an SR-22 filing.
Final Thoughts
A DUI conviction can make getting affordable insurance challenging, but it doesn’t have to be impossible. By shopping around, filing the required SR-22, and maintaining a clean record, you can find coverage that meets your needs without overpaying. Over time, as you rebuild your driving history, your insurance premiums will gradually decrease.