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DUI / DWI Guide

Have a DUI conviction or recently been charged and want to know how a DUI or DWI offense affects your car insurance?

You have certainly come to the right place as we have a wealth of knowledge about DUI car insurance and what steps you can take to get cheap car insurance quotes after a conviction.

View DUI Laws and DWI Laws by State

Driving under the influence is a serious offense and car insurance companies view anyone convicted of a DUI or DWI offense as very high risk. Many auto insurance companies even deny coverage but there are still ways to obtain insurance.

One of the most common ways to get car insurance after a DUI conviction is to contact your state department of insurance and ask about special high risk programs. Since auto insurance is mandatory all drivers have a right to access if they have been denied coverage in the voluntary marketplace. Although the policy offered certainly may be more expensive its almost always possible to get some type of insurance after a DUI charge.

You may also want to consider searching for specialized insurance like the General Auto Insurance company for policy offerings to high risk drivers.

What is DUI or DWI?

DUI stands for driving under the influence and DWI stands for driving while intoxicated. Both terms are interchangeable and depending on what state you are charged in the appropriate acronym will be used. The states that use DWI include:

  • Alaska
  • Arkansas
  • Minnesota
  • Nebraska
  • New Jersey
  • New York
  • North Carolina
  • Texas
  • D.C.

All other states use DUI as the formal acronym for driving under the influence of drugs, alcohol or any other type of listed substance.

What are the penalties for driving under the influence?

Severe – Any charge of driving while intoxicated or under the influence demands immediate attention or else you may suffer very severe consequences including exorbitant fines, a long suspension of your drivers license and even jail time depending the circumstances of the arrest. Many people charged with a DUI or DWI retain an attorney where the average bill can be $4,000 or more depending on where you life. No matter if you are convicted or not the mere act of being charged can be very expensive combined with the penalties imposed if you are found guilt. Some people estimate that drivers convicted of a DUI can often be exposed to $10,000 or more in financial penalties and/or attorney fees.

As far as car insurance goes you can expect a large increase to your auto insurance premiums and possibly even termination of coverage as you pose a substantial risk to any auto insurer. Some of our most popular content on DUI car insurance is as follows:

What is the SR-22 Form?

This is a financial responsibility form a court orders certain drivers to file. Those drivers who pose a high risk (usually anyone convicted of a driving-under-the-influence charge) are almost always required to file a SR-22 form with the DMV to get re-instate their driving privileges. You really need to understand what the SR-22 form as in most states only a car insurance company can file this form and failure to do so will result in much more serious consequences than your initial conviction. Its also one of the reasons why some car insurance companies deny coverage as they simply do not offer filing of SR-22 forms and therefore cannot provide coverage to people who have this court requirement.

Driving under the influence is an extremely high risk activity and something no responsible driver should do. You pose a great danger not only to yourself but everyone around you and being charged with a DUI is something all courts take very serious.

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