DUI Auto Insurance
Many drivers struggle finding auto insurance after a DUI and even a harder time finding affordable auto insurance after one. But thankfully we have done some research to help drivers find cheap auto insurance after a DUI. There are a lot of auto insurance companies who will deny coverage to anyone with a DUI in last five years. But here at Cheapest Auto Insurance we have companies who not only offer you coverage after your DUI but affordable rates too.
A DUI is given to a driver who has consumed too much alcohol over the legal limit and gotten behind the wheel to drive. This endangers not only the driver that is driving under the influence but innocent people they are putting at risk in the other vehicle. DUI related accidents historically do the most damage of any traffic accidents. Many auto insurance companies do not offer coverage for a driver who has had a DUI in the last five years. They will also charge that driver up to 6 points on their driving record which is equivalent to what a lot of auto insurance companies charge for 2 at fault accidents. This comparison gives some good perspective on how serious auto insurance companies take this violation. This violation stays on your driving record for 3 years In most cases but we have found a few insurance companies that go back 5 years.
Additional resources for high risk auto insurance:
Click here for additional information on non-owners car insurance
What are the best auto insurance companies after a DUI
Here are some of the auto insurance companies we found that provide coverage for drivers with a DUI and seem to be the most affordable:
- The General
- Safe Auto
- Save Money Car Insurance
It is important to note that if you have multiple DUI’s we were not able to find many insurance companies that would offer coverage for this situation. Many are fine with just one but multiple gets you into trouble as far as finding cheap insurance.
Additional resources for getting auto insurance quotes with a DUI:
How much are auto insurance rates after a DUI?
Like we mentioned above a citation for a DUI is the highest surcharged ticket auto insurance companies charge for. We have found many auto insurance companies raise your rates 35 to 45 percent after a DUI ticket. It is very difficult to get an exact price of how much your auto insurance would be after a DUI. We did find an approximate amount of about $96 monthly for an adult driver for a liability only policy with one DUI on their record. Full coverage rates after a DUI will run you well over $200 monthly. So, as you can see it is very costly to get a DUI in more ways than one.
How to lower your car insurance after a DUI?
We have found a few ways you still find affordable auto insurance after a DUI. We always to back to the key point when trying to find cheap auto insurance and that is get as many different quotes as possible. The more quotes you get increases your chances of lowering your auto insurance. Here are some other tips we have found for you to utilize to find more discounts:
- Sign up for auto pay on your monthly payments
- Sign up for paperless billing
- Keep your insurance policy continuous for at least 6 months
- Shop your upcoming renewal policy to make sure the company you are with is still the cheapest
- Pay your policy in full for six months up front
- Keep your driving record clear, less tickets and accidents the better. So, driver carefully!
How long does a DUI stay on your insurance?
In most cases a DUI stays on your record for three years. We have found a handful of companies that keeps the DUI on your record for five years. After a DUI some states will require you to keep an SR22 for three years also which can increase your monthly premiums. We need to point out that your driving record and criminal record are two very different things. A DUI can also cause your license to be suspended which can also raise your auto insurance rates.
Other legal problems that can result after a DUI
A DUI can stay on your criminal record up to 10 years normally in some situations though it can be permanent. A DUI can also affect your employment if you work for a company that requires you to deliver or transport goods in a vehicle. Companies may not allow you to be added on their commercial auto policy due to the increase it may cause in their premiums. Here are a few other legal problems we found that can arise from a DUI:
- Fine of up to $1,000
- Spending 10 days in jail or up to one year in more severe cases
- If you kill someone in a DUI accident, you could be charged with vehicular homicide which is substantial prison sentence.
The degree of charges also depends on what kind of DUI you receive. There are also a DWI and an APC types of DUI that can bring heavier charges.
How to get auto insurance with a DUI
We have found one of the best ways to find cheap auto insurance rates after a DUI is to contact a nonstandard auto insurance broker. This is an insurance agent who represents numerous auto insurance carriers to help you find the best rates. This will help your chances of finding affordable auto insurance due to the mass number of quotes you will receive from one call. Many smaller regional companies can offer affordable rates also after a DUI.
Additional resources to find auto insurance companies that specialize in DUI auto insurance:
Concluding thoughts on finding auto insurance after a DUI
The thing to remember after you receive a DUI is you can still find affordable auto insurance. Be sure and don’t drive without auto insurance because if you get caught doing that after a DUI that can really compound your problems even more. Shop around as much as you can and research google in your local area to find the best auto insurance companies near you that offer auto insurance after a DUI. Here at Cheapest Auto Insurance we offer affordable auto insurance rates for drivers with a DUI. Call or text one of our local offices today to start saving money on your auto insurance