Will DUI convictions increase my car insurance rate?

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Car insurance rates are based on a variety of factors that indicate the likelihood you'll be involved in an auto accident. This includes your age, gender, location, the type of car you drive, and your driving record. Even if your DUI is classified as a misdemeanor instead of a felony, a conviction will cause a significant increase in your insurance rates.

DUI Laws

After a DUI conviction, you can expect to lose your license for a period of time. Retaing the services of a DUI lawyer may help get that length of time reduced. When you get your driving privileges restored, you'll likely need SR-22 insurance unless you live in Delaware, Kentucky, Minnesota, New Mexico, Oklahoma, or Pennsylvania. This is a policy that proves someone is carrying a special type of high risk insurance that courts can require for drunk driving convictions, people with an excessive number of traffic tickets, or people who have been caught driving without insurance in the past. Most, but not all, major insurance carriers can provide SR-22 insurance.

SR 22

In most cases, you will need to carry SR-22 insurance for three years. Prices for SR-22 insurance vary depending upon a variety of factors, but you can expect to pay 30-40% more for the same level of coverage you had before your DUI conviction. Once you are no longer legally required to prove SR-22 insurance, you will be able to obtain slightly cheaper coverage. However, your insurance rates will still be higher than a driver with no DWI charges or a completely clean record.

The best way to save money on your insurance after a DUI conviction is careful comparison shopping. Because each company uses a slightly different formula for calculating rates, you may be able to save $50-$100 just by switching car insurance providers. If you don't want to take the time to call each company individually, get multiple online quotes from a Web site that specializes in this service.

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