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How Much Does a DUI Increase Car Insurance Rates?

by Amy Walters

You face many consequences when you drive under the influence, and one of those potential consequences is a higher cost for auto insurance. Read on to learn about why your insurance premium will most likely be affected if you receive a DUI.

Driving records show DUI convictions and most auto insurance companies’ review driving records before providing insurance to anyone. It is also likely that our auto insurance company will review your driving record when it comes time to renew your car insurance policy. Many insurance companies will tack on costs due to the DUI conviction.

Drivers who have DUIs on their driving records are generally considered higher risk drivers. Most DUI convictions add points to the individuals’ driving records. Even if you are not charged more for simply having a DUI conviction on your record, you will probably face higher rates due to the high number of points on your record.

In fact, there are some insurance companies that will not even insure you once you have a DUI on your record. Low risk insurance companies do not want to provide insurance to individuals who are considered high risk, and a DUI puts you in that category.

If you are convicted of a DUI, you will most likely have to file an SR-22 to have your license reinstated. This filing states that you have at least the minimum amount of insurance required by your state. This document is typically submitted by your insurance company. You will need to check with your insurance company to find out if the company will do this for you or if you need to take responsibility for filing the SR-22. Individuals who are required to file the SR-22 are typically considered high risk drivers and face higher rates from their car insurance companies during the periods when they are required to file SR-22 forms.

Drivers who do not own vehicles but who wish to keep their licenses may be required to submit a non-owner SR-22. Drivers who are convicted of DUIs may need to provide proof of an SR-22 policy for up to five years after the conviction. In addition, their licenses may be suspended if the SR-22 policy lapses at any time.

It is not the end of the world if you get a DUI, but you will pay for it. You may face jail time, and you will almost certainly face higher car insurance rates when you purchase new insurance or renew existing policies.

Author Bio

Jennie is a San Diego criminal lawyer who currently works in a prominent San Diego Law Firm. Away from work, Jennie enjoys relaxing at the beach and exercising at her local gym.

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