DUI Insurance: Understanding Your High-Risk Coverage Options 

What is DUI Insurance? 

For many, a DUI conviction introduces a new world of challenges, one of the most significant being the impact on car insurance. "DUI insurance" isn’t insurance to protect you financially from financial losses after a DUI. Rather, it’s usually a reference to the levels of coverage needed after a DUI to meet state-mandated requirements, which may involve filing an SR-22 or FR-44 proof of financial responsibility certificate.  

These filings are necessary to reinstate a driver’s license, or get a restricted license, and provide proof to the state that you carry the required minimum auto insurance. Navigating DUI insurance can feel overwhelming, but understanding your options can make the process smoother and help you secure the best rates possible. 

SR-22 and FR-44 DUI Insurance 

If you’ve recently received a DUI, your state may require an SR-22 or FR-44 certificate as proof of insurance. Here’s a breakdown of what each entails: 

• SR-22 Insurance: This is the more common of the two and is required in most states. An SR-22 isn't an insurance policy but a form submitted by your insurer to verify you have the minimum required liability coverage. It’s often required for individuals with DUIs, other serious traffic offenses, or repeated violations. 
• FR-44 Insurance: FR-44 requirements are specific to Florida and Virginia, generally following more serious DUI offenses. FR-44 coverage mandates higher liability limits than SR-22 insurance, ensuring drivers have added protection on the road. 

Obtaining DUI car insurance with SR-22 or FR-44 insurance often results in higher premiums due to the increased risk associated with a DUI conviction. But, by researching providers and comparing rates, you can still find affordable DUI insurance options.  

Once you secure your DUI car insurance policy that meets or exceeds the SR-22 or FR-44 requirements, your insurance provider can submit the certification to the state on your behalf. If your coverage is cancelled or lapses, your insurance provider is required to revoke your certification immediately, which can invalidate your driver’s license.  

Impact of a DUI on Insurance Rates 

One of the biggest changes you’ll notice after a DUI conviction is an increase in your car insurance premium. Increases can be dramatic, in one state by as much as 266%. This typically happens at first renewal after a DUI shows up on your driving record. Here’s how and why it happens: 

• Risk Factor: Insurers consider DUI offenders high-risk. Even a single DUI can indicate a heightened likelihood of future incidents, prompting companies to charge more for coverage. 
• Policy Changes: Some insurers may terminate coverage altogether after a DUI conviction. Others might keep you as a client but at a significantly higher rate, which is why choosing the right high-risk insurance provider is essential. 
• State Requirements: States have different guidelines and requirements. For example, some states require SR-22 filings for three years, while others may require it for five. The longer your filing requirement, the more impact it may have on your rates. 

While these rate increases may seem discouraging, there are proactive steps you can take to manage your insurance expenses after a DUI. 

Steps to Maintain Your Auto Insurance After a DUI 

After a DUI, the next steps involve understanding and meeting state requirements and finding the right insurance policy to keep you legally compliant. Here’s a step-by-step guide: 

1. Assess Your Current Policy 

Review your current auto insurance policy to understand where you stand. Check if your provider handles SR-22 or FR-44 filings, as not all do. Some insurers may allow you to maintain your policy with higher rates, while others may choose to drop you as a client. 

2. Understand State Requirements 

Each state has its own requirements regarding SR-22 or FR-44 filings. Be sure to check your state’s specific regulations and filing duration. You’ll also want to understand how much liability coverage is required in your state, as failing to meet these requirements could result in further legal trouble. 

3. Seek Legal Advice 

If you have concerns about DUI insurance or specific state requirements, consulting with a legal professional can provide valuable insights. Attorneys specializing in DUI cases often have resources and tips that can help you navigate your next steps and maintain compliance. 

Non-Owner vs. Vehicle DUI Insurance 

When selecting a DUI insurance policy, it's essential to consider whether non-owner or vehicle coverage is best suited to your needs. 

• Non-Owner SR-22 Insurance: If you don’t own a car but need to maintain insurance to keep your license reinstated, non-owner SR-22 insurance may be a suitable choice. Non-owner policies, which are part of DUI car insurance, cover liability when you drive vehicles you don’t own, such as rentals or borrowed cars, and generally have lower premiums than traditional vehicle insurance. This option is often ideal if you don’t plan to drive regularly or own a personal vehicle. 
• Vehicle SR-22 or FR-44 Insurance: If you do own a vehicle, you’ll likely need vehicle SR-22 or FR-44 insurance, which includes liability coverage along with any other insurance you choose for the car you drive regularly, like collision or comprehensive coverage. Vehicle insurance premiums tend to be higher after a DUI, but choosing a non-owner policy if you don’t own a car can be a cost-effective way to stay compliant without paying for unnecessary coverage. 

By understanding whether non-owner or vehicle coverage is right for you, you can save on premiums while meeting state requirements and ensuring that you have the proper coverage to stay legally on the road. 

How to Save on DUI Insurance 

Though DUI insurance premiums are generally higher, there are ways to secure better rates. Here’s how to find affordable DUI car insurance: 

• Compare Rates: Reach out to multiple insurance providers, especially those who specialize in high-risk insurance. Some insurers offer competitive rates for DUI cases or work specifically with individuals seeking SR-22 or FR-44 coverage. 
• Seek Discounts: Certain discounts may still apply even after a DUI. If you bundle other insurance policies, drive fewer miles, or install safety devices in your car, ask your insurer if these factors could lower your DUI car rates. 
• Choose Higher Deductibles: Opting for a higher deductible can reduce your monthly premium. However, ensure that you’re financially prepared to cover this amount in the event of a claim. 
• Improve Your Driving Record: Time and clean driving habits can help lower your insurance rates over the years. Avoid additional traffic violations and consider enrolling in a defensive driving course if your state allows it for a premium discount. 

Finding an Affordable DUI Insurance Provider 

When choosing a provider, prioritize companies with experience handling high-risk insurance, particularly SR-22 and FR-44 filings. Some providers offer dedicated resources to help you find and maintain affordable DUI insurance that meets state requirements. By researching providers and comparing rates, you can still find affordable DUI car insurance options. 

DUI.org works with insurance providers that specialize in helping you shop and choose affordable insurance after a DUI. This includes SR-22, FR-44, high-risk and non-owner’s policies. Call DUI.org for assistance finding dependable insurance from carriers that won’t skyrocket, or drop you as a customer, following a DUI.  

FAQs about DUI Insurance 

Need Affordable DUI Insurance? Contact Us Today. 

Navigating DUI car insurance doesn’t have to be overwhelming. If you’re searching for more information on affordable DUI insurance options or need assistance with SR-22 or FR-44 filings, give us a call today. We’re here to help you find a policy that meets state requirements and fits your budget, so you can move forward with peace of mind.