DUI increases premiums from $500 to $2000 per year.
A DUI infraction will cost from 10-12 points on your license. Most auto insurance companies charge you for the DUI points on your license for a total of 3 years from the date of the infraction. However, you may see increased rates for up to 5 years because you will not qualify for safe driver discounts.
Your auto insurance company may deny you full coverage (which includes comprehensive and collision) while the DUI is on your record. Or your carrier may simply cancel your policy, if they do not provide SR-22 forms to the DMV. Your rates can rise 20-50%. Equally reassuring, your rates will not slowly decrease. You either have a DUI on your record or you don’t.
Don't get a fool for a client!
Hire a lawyer. If they can get your charge reduced in a plea bargain, or have a limited license suspension, such as 30 days, it's also very unlikely your insurer will find out about your conviction. If your insurance company misses the conviction at the time it happens, it may still have a few years to raise rates if the DUI is discovered later. But during that time, you will be driving on the cheap.
Get un-suspended with an SR-22, Proof of Insurance
The are two financial responsibility forms, the SR-1. The SR-1 is if you have an accident or are ticketed for not having proof of insurance. An SR-22 is for DUI winners. Ouchie. The SR-22 form is required by most states showing that after you've had a DUI conviction, you have proof of insurance (responsibility). The insurance company then provides the state motor vehicle agency (DMV, MVD) with an SR-22 Proof of Insurance Certificate.
Shopping for auto insurance while you have a DUI
The good news is after the waiting period, it`is like the DUI conviction is gone. Find a company that deals specifically with DUI insurance, eventually you may get one that will offer you a decent rate despite the conviction on your record.
It is very important to shop around and find out what other standard and non standard insurance carriers will charge you for an SR-22. You need a baseline to compare the new rates. Lastly, don't drink and drive again! Even DUI auto insurance companies will drop you if you are charged as a multiple offender, which may make it impossible for you to drive legally for quite some time.
Find a company that deals specifically with DUI insurance.
Eventually you may get one that will offers you a decent rate despite the conviction on your record.
Repeat: it is very important to shop multiple carriers (3-5) to find out what other standard and non standard insurance carriers will charge you for the SR-22. You need a baseline to compare the new rates. Keep the policy limits, named drivers and specific vehicles covered the same. Apples to apples.
Lastly, don't drink and drive again! Even DUI auto insurance companies will drop you if you are charged as a multiple offender. It will be impossible for you to drive legally until the 1st DUI conviction is erased (assuming you only get two).PHP ERROR: Cannot execute query9.