Understanding the Effects of a DUI on Your Auto Insurance Rates

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Learn how a DUI will affect your auto insurance.

If you have been issued a DUI, this means that you have been caught driving while over the legal alcohol limit.  DUIs are serious charges, and you can expect penalties such as your license being suspended, fines, and even jail time.  In addition to these consequences, being charged with a DUI will also have a negative impact on your car insurance rates.  Here are some of the ways in which a DUI will affect your auto insurance.

Increased Rates

After being charged with a DUI, your current auto insurer will likely cancel your policy.  This means that you will have to shop around to find a new insurance provider.  While it is not impossible to find a company willing to insure you, when you do secure insurance, your rates will be much higher than they were prior to your DUI.  In fact, your rates following a DUI can be five times as high as they were before.

Additional Insurance Requirements

After a DUI, you will also have to jump through a few more hoops to secure coverage.  For instance, you will have to secure higher liability coverage limits as your state will demand higher insurance minimums from you.  From there, you will have to sign an SR22 or FR44 insurance form.  These forms are specially designed for drivers with DUIs, and they declare proof of financial responsibility.  This means that you have secured the necessary amount of insurance.

How long do the consequences of a DUI last?

In most cases, a DUI will drop off your driving record between 3-7 years.  However, the infraction will likely remain on your driving record permanently.  After this 3-7 year period, your DUI should no longer affect your insurance rates, and your SR22 or FR44 filing will no longer be necessary.

This is how a DUI will affect your auto insurance.  Do you have additional questions regarding your specialty auto insurance needs?  If so, then contact the experts at Staybull Insurance.  We are ready to assist you with your FR44 filing today.

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