Can I get car insurance with a DUI?

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

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In a nutshell...

  • Car insurance after a DUI conviction can be both expensive and challenging to obtain
  • Your auto insurance options will be extremely limited after being convicted of drinking and driving
  • Most drivers convicted are subject to a mandatory SR-22 form filing requirement

Car insurance rates are based on risk and any driver convicted of a DUI or DWI charge is considered extremely high risk by most car insurance companies.

Many of the well-known brands will deny your application for car insurance if your DUI conviction is relatively new while some higher risk car insurance companies will provide coverage but your policy options are limited and premiums high.

The costs of being convicted of driving under the influence are prohibitive when it comes to car insurance. Enter your zip code above to get FREE car insurance quotes today!

How do car insurance companies know I have a DUI conviction?

Any driver convicted of a DUI is automatically reported to the DMV, and car insurance companies monitor DMV records when renewing policies and issuing new ones.

Most drivers convicted are also subject to a mandatory SR-22 form filing requirement. A car insurance company can only complete this form – individual drivers can not file this form.

Since states require only licensed auto insurers to file this form, you will have to disclose the SR-22 filing requirement to your current or new car insurance company or else be in breach of your legal obligations to the court.

While the SR-22 form is not just for DUI drivers, the mere fact of having a mandatory filing requirement puts you in the high-risk category to car insurance companies, and many auto insurers do not insure any driver with an SR-22 filing requirement.

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What is the SR-22 form?

The SR-22 form is a proof of financial responsibility form that must be filed with the DMV if a court considers you to be operating a vehicle without regard for others.

Most common in DUI convictions, a court can also impose the SR-22 form requirement to drivers who were involved in a car accident while operating a vehicle with no car insurance, those who have a record of driving recklessly or any other reason a judge sees fit.

The point of the form is to show the state you at least have sufficient financial liability protection for damages caused to others.

If you do not file an SR-22 form as ordered by the court, your license will be suspended, and you will not be able to re-instate or renew your license until the form filing requirement is met.

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Is the SR-22 a type of insurance?

The SR-22 is not a type of car insurance but merely a form detailing you to have adequate financial means of covering damages in a car accident.

Adequate financial means can be defined as an auto insurance policy, verified funds in a CD or even proof of funds on deposit with the State Treasurer.

The amount of adequate financial protection and your options to provide sufficient financial means will depend on where you live, but a car insurance policy is always an option.

This is one of the ways car insurance companies always find out about your DUI conviction as when your licenses are suspended you can not get your driving privileges back until a form is filed.

This means you have to call your existing car insurance company and confess up merely to get your driver’s license restored.

Who has the best DUI car insurance rates?

Remember that you are now are considered extremely high risk, so there is no way you are going to get anywhere close to the cheap car insurance quotes advertised around.

Your auto insurance options will be extremely limited after being convicted of drinking and driving.

There are high-risk car insurance companies around like the General Car Insurance company and others but focus on getting the best coverage you can.

If you keep getting denied coverage, learn about more about state programs for high-risk drivers here.

Enter your zip code below to get FREE car insurance quotes today!

References:

  1. https://www.esurance.com/info/car/how-a-dui-affects-car-insurance-premiums
  2. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  3. https://www.statefarm.com/insurance/auto/coverage-options/liability-coverage
  4. https://www.esurance.com/info/car/driving-without-a-license

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