Getting a DUI can have serious consequences, not only for your driving privileges but also for your car insurance rates. If you’ve recently been charged with driving under the influence, it’s important to understand how it will affect your insurance coverage and what steps you can take to minimize the impact.
How Does a DUI Affect Car Insurance?
After getting a DUI, insurance companies don’t write specific “Driving Under the Influence” policies. Instead, you’ll need to purchase a regular motor vehicle liability policy, which will come with significantly higher monthly premiums compared to a driver with a clean record. The increase in premiums can vary, but it’s not uncommon for rates to be three to five times higher.
Additionally, your insurance company will need to submit an SR22 form on your behalf to the California Department of Motor Vehicles. This form acts as proof that you meet the minimum coverage amounts required by the state.
How Long Does a DUI Conviction Stay on Your Record?
In California, a DUI conviction remains on your driving record for 10 years. This can have implications for your insurance rates, as insurers will consider you a high-risk driver. If you were previously enjoying benefits such as safe driver discounts, they will disappear once your insurer becomes aware of your DUI conviction.
How Long Do DUIs Affect Car Insurance Rates?
While a DUI conviction stays on your driving record for 10 years, the impact on your insurance rates usually lasts for around 7 years. Each year that passes without any additional negative marks on your record, the less weight the conviction holds in rate calculations. Once the DUI has been dropped from your record, it’s wise to shop for coverage with a new carrier who is unaware of your past conviction. This way, you can potentially obtain the best possible rates.
What If the DUI Gets Expunged?
Expunging or removing a DUI conviction from your driving record is an option, but it may not have a significant impact on your car insurance rates. Even if the conviction is expunged, if your current insurance carrier is already aware of it, your rates may still be affected. However, expunged infractions are generally not visible to credit insurers, potential employers, or others conducting background checks.
Understanding SR22 Insurance
If you’ve been convicted of reckless driving, DUI, or driving without current insurance, you’ll likely be required by the court to have an SR22 insurance policy. An SR22 is a certificate that proves your financial responsibility and must be filed by your insurer with the California DMV. It acts as evidence that you carry the required coverage.
It’s crucial to inform your insurance carrier about your need for an SR22 certificate and ensure they can file it on your behalf. Failing to do so can lead to time-consuming complications and potentially additional costs.
FAQs
Here are some frequently asked questions about car insurance after getting a DUI:
Q: What is the difference between FR44 insurance and California SR22 insurance?
A: FR44 insurance is required in only two states, Virginia and Florida, and it signifies higher liability limits due to a driving while intoxicated conviction. In California, an SR22 is sufficient to meet the state’s minimum requirements.
Q: Can I get non-owner SR22 insurance if I no longer own a vehicle?
A: Yes, obtaining non-owner SR22 insurance can be a good option for keeping your premiums up-to-date without breaking the bank. These policies typically provide only motor vehicle liability coverage, leading to lower prices.
Q: Will an out-of-state conviction be transferred to my home state?
A: In most US states, including California, an out-of-state conviction, such as a DUI, will be transferred and treated as a second offense.
Conclusion
If you’ve been charged with driving under the influence, it’s essential to understand how it will impact your car insurance rates. Your premiums are likely to increase significantly, and your driving record will be affected for many years. The best course of action is to accept the consequences, seek legal representation, and consult an SR22 insurance professional who can help reduce the costs and long-term impact of having a DUI on your record.
Speak with a Breathe Easy SR22 expert today to get back on the road! Call now at 866.822.7755!
