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Auto Insurance After DUI/DWI
You were out at a work event or you were hanging out with friends and had one too many drinks. Against your better judgment, you decided to get behind the wheel of a car. You were wary of your decision, and as soon as you see those blue lights flashing in your rearview mirror, you know that you made a major mistake.
DUIs (driving under the influence) happen to the best of people. Unfortunately, while drinking alcohol may be fun and take the edge off, it also impairs judgment; even the most upstanding and law-abiding people have been arrested and charged with a DUI.
The ordeal of being arrested and charged is difficult, but the repercussions can affect you for a long time after the incident. Namely, it will affect your ability to drive. If you are granted permission to drive, you could find yourself facing difficulties when it comes to acquiring auto insurance. Here we will discuss car insurance premiums after a DUI/DWI.
How a DUI Affects Your Car Insurance
Car insurance premiums after a DUI/DWI. Your past driving record plays a big role in determining how much you are going to end up paying for car insurance. A prior conviction of driving under the influence (DUI) or driving while intoxicated (DWI) is an indication to insurance companies that you are a risk. As such, there is a greater chance that you could repeat the same behavior in the future, which will end up costing them more money. In turn, it will end up making your car insurance premiums after a DUI/DWI higher.
Anyone who has been convicted of a DUI is classified as a high-risk driver by auto insurance companies. This will end up having negatively impacting your insurance in a number of ways:
- The car insurance premiums after a DUI/DWI you pay will go up.
- You will be required to purchase a more expensive "high risk" policy.
- The auto insurance that you had at the time of the infraction will most likely be cancelled immediately.
Moreover, the more high risk an insurance company saw you before your DUI conviction, the more difficult it will be for you to find coverage. And, if you do get coverage, car insurance premiums after a DUI/DWI is going to be quite expensive.
Why A Car Insurance Policy Is Cancelled After A DUI
Many auto insurance providers will simply raise your car insurance premiums after a DUI/DWI, instead of cancelling out your policy completely. However, there are instances when an insurance provider will determine that it is in their best interests to end your coverage.
Why would an insurance provider decide to cancel your existing coverage? There are several reasons, some of which include:
- Your driving record before the DUI occurred was poor
- You have received a DUI or a DWI in the past
- You received a DUI or DWI before you were of legal drinking age (21)
In other words, if you were already deemed a high risk driver before your DUI, your car insurance provider might find that there is little reason to insure you because you are a serious risk to them..
Ignition Interlock Devices
In certain states, people who are charged with a DUI will be required to install an Ignition Interlock Device to be able to legally drive. Like a breathalyzer, an ignition interlock measures the alcohol in a person's system. If that amount exceeds a pre-programmed level, then the interlock temporarily locks the vehicle's ignition so the driver can't start the car and drive.
Many states now use ignition interlock devices as an alternative to revoking driving privileges. These devices prevent drunk driving while giving those with DUI convictions the opportunity to attend school, got to work and perform other daily tasks.
The SR-22 Form
In most states, if you have been convicted of a DUI, you will be required to fill out an SR-22 following your charge. The SR-22 form is used by the DMV to find out if your insurance coverage is valid. If the SR-22 reveals that you do not have valid auto insurance, the DMV will force you to surrender your license.
High Risk Insurance After A DUI
A lot of auto insurance providers will offer those who have been convicted of a DUI with insurance, but it will be considered high risk insurance. A driver is usually classified as high risk if the insurance provider believes that the probability that the individual will be involved in another risky behavior while driving; a traffic infraction or an accident, for example.
Once you are classified high risk, your car insurance premiums after a DUI/DWI rates will go up. The good news is, however, that if you maintain a clean driving record for a few years, your insurance rates can go back down again.
Get A DUI Auto Insurance Quote
If you have been charged with a DUI or DWI and are in need of auto insurance, get in touch and we will be able to help you find coverage that you can afford. Progressive DUI insurance rates is a good place to start.
If you are looking for state specific car insurance quotes, costs and information: California Car Insurance Premiums After A DUI/DWI, Delaware Car Insurance Premiums After A DUI/DWI, Kentucky Car Insurance Premiums After A DUI/DWI, New Jersey Car Insurance Premiums After A DUI/DWI, New York Car Insurance Premiums After A DUI/DWI, Pennsylvania Car Insurance Premiums After A DUI/DWI, Texas Car Insurance Premiums After A DUI/DWI.