The Effects of a DUI/DWI on Your Auto Insurance Premium

Have you ever wondered how you could possible get insurance after a DUI?  Or the effects of a DUI/DWI on your auto insurance?  Or where you can find DUI/DWI auto insurance providers?  Read the article below to learn more about DWI auto insurance rates and how to go about getting car insurance after a DUI.

Drinking and driving is a serious offense, and possibly has the most profound effect on your driving record, and in turn, your auto insurance rates. Not only will you have your license suspended, have to pay insanely large fines, and legal fees, but a DUI/DWI will have much longer lasting effects on your life.

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Getting car insurance after a DUI

Auto insurance companies handle these situations in one of two ways; you’re rates will sore, or you’re policy will be canceled all together. A DUI/DWI instantly puts you in the high risk driver category. Why they do this should be obvious. Not only do you put yourself and your car in grave danger, but you’re also putting everyone else on the road in danger. Alcohol related accidents, on average, cause more damage than any other accident. This simple fact, is the reason your premiums will shoot up. After one DUI, your potential cost to the company is far higher, and this is reflected in your new rates.

After being cited for a DWI/DUI, you will most likely have to fill out what they call a “Sr22 form” (it might be known by other names in other states – in Florida, it’s the FR44).  The SR22 is basically the state’s way of letting the DMV know that you are high risk.  When you need to fill this form out, you can certainly expect to start paying more for auto insurance.

Being convicted of a DUI not only will negatively impact your auto insurance rates, but it can also be quite expensive for other reasons.  Apart from the obvious insurance bump, here are some other expenses you might be looking at:

  • Towing Fee: $300 – $1,200
  • Bail-out Free: $250 – $2,500
  • Fines and Court Fees : $500 – $2,500
  • Attorney Fees (average): $2,500-$5,000
  • Mandatory Education and Treatment: $350 – $2,000
  • Electronic Home Monitoring (extreme cases): $150 – $2,250
  • Ignition Lock (extreme cases): $730 – $2,800

Preventing Your Insurer From Finding Out About Your DUI

Although they will probably find out about it (from law records, Sr22 form, etc), there are many ways to prevent your auto insurance company from finding out about a DUI offense. Essentially, if you are able to prevent the DUI from showing on your driving record through plea bargains, or fulfilling conditions set by the judge, then you better do it. The faster you are able to get these charges off your record, the better chance you have of not getting terminated by your insurance company. (Though as much as it may hurt to do so, we don’t recommend you withhold information from your auto insurance company.)

If you do get dropped by your auto insurance company (they often do this in cases of DUI’s), chances are that other companies in the same tier or higher tiers, won’t want to insure you either. This may mean you have to go to a less well known company. And its unlikely that these insurance companies will overlook your DUI/DWI. You’re likely to pay just as much in your premiums, if not more, with these lower tier insurance companies.

Avoiding Expensive Auto Insurance Rate Hikes

The best way to keep your rates low, is to not drink and drive to begin with. Read our article here on about alternatives to driving while under the influence. DUI/DWIs have an immense impact on your life. It can cost you a tremendous amount of money (or worse). Many people don’t quite understand the impact of a DUI until it happens to them. Be responsible and don’t put your life, or the lives of others at risk.

If it is already too late, and you have already been charged and found guilty of driving under the influence, it’s not the end of the world.  There are many ways you can still get affordable auto insurance rates.  The best way is to compare auto insurance quotes.  To do so, scroll back up to the top of this page and enter your zip code to begin.  After filling out our brief form, you will be presented with rates from the top auto insurance companies (who aren’t afraid to insure customers with a spot or two on their driving records).


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