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UPDATED: Mar 13, 2020
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A DUI conviction is hard enough on family finances with high risk car insurance sometimes costing 200% or more higher than typical good driver premiums. However if you are married then it’s also important to pay attention to the extra cost of car insurance which may be passed on to your spouse. Auto insurance after a DUI can be very expensive but there are ways to limit the additional cost of premiums if your spouse has a DUI or DWI conviction.
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When one spouse has a DUI or DWI conviction its only natural for the other spouse with the good driving record to want to maintain affordable auto insurance rates. There are a few ways to do this but both take a little bit of work.
Obtain Individual Auto Insurance
Most married couples have joint auto insurance policies and when one spouse is convicted of a DUI the easiest way for the unaffected spouse to maintain their good driver status and affordable auto insurance rates is to simply purchase an individual policy. While some auto insurance companies do provide a slight discount for just being married this small increase in premiums can often be substantially less than carrying a joint car insurance policy with a driver who has a DUI or DWI on record.
Where it gets a little tricky here is that you have to understand the laws requiring whether or not your spouse can use the vehicle and the limitations to such use since he/she is not on the policy as a driver. This is a very grey area and one where you really need to consult with an auto insurance professional about the limitations of an individual car insurance policy as a married couple. Of course, if your spouse is committed to riding his skateboard to work every day this might not pose a big problem.
Shop Around for the Best DUI Car Insurance Rates
Driving is a necessity in life and even after a DUI or DWI it may be critical your spouse has driving privileges for all the vehicles in the household or maybe you have your own reason for requiring a joint auto insurance policy. Whatever the case, if you decide to go this route and maintain a car insurance policy in both names its critical to shop around and find auto insurance companies who provide affordable auto insurance for drivers convicted of a DUI and not penalize all policyholders based on the actions of one.
Consider Switching Vehicles
How many vehicles do you own? Are they the same value? Is one car cheaper to insure? If you own multiple vehicles it may be a good idea to switch the spouse with a DUI as the primary driver to the less expensive vehicle. Of course, they are issues with this which can also only be answered by a licensed auto insurance agent but it should open up your mind to some questions to ask your auto insurance company. Always remember though there will be times when both spouses use each car and its imperative you don’t exclude either person from driving either vehicle all together. Having a DUI is no fun but getting caught driving with no car insurance with a prior DUI conviction is a whole other ballgame.
Re-Evaluate your Existing Coverage
You should always review your auto insurance policy annually but if one of the primary drivers in your household is convicted of a DUI there is no better time. Review your coverage and see if you are over insured, if you can afford raising your deductible and maybe even dropping some coverage you may not need. Manipulating your policy details is a surefire way to reduce premiums. If you work from home or drive your car less than 7,500 miles a year then inquire about a low mileage car insurance policy as the base rates for these are up to 50% or more lower than typical auto insurance policies which assume you commute daily to work.
Auto insurance after a DUI is expensive. There is no getting around this so you need to shop around and compare car insurance quotes from multiple providers. Don’t feel bad if you are denied coverage from some companies, keep shopping as there are plenty of car insurance companies who offer affordable car insurance after a DUI.
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