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How A DUI Affects Your Auto Insurance (SR-22 Requirements)

How A DUI Affects Your Auto Insurance SR-22 Requirements

If you have received a DUI, you will probably be asking how a DUI affects your auto insurance SR-22 requirements. You’ve probably heard about the penalties for DUIs, but what exactly does an SR-22 do? It alerts your insurance company to your driving record, which it will check before renewing your policy. Ask the insurer whether your coverage will be denied, or you’ll have to pay an increased premium. Rate hikes can be high, so be prepared for it. Depending on your state and driving record, a DUI can cause an annual premium hike of up to 80%.

After a DUI conviction, most states require you to file an SR-22 certificate with the state’s DMV. It certifies that you have the financial responsibility to pay the minimum insurance requirements for your condition and obligates your insurer to notify the state department if your insurance lapses, which typically triggers another suspension. You can also get an SR-22 certificate from an auto insurance company that’s DMV-approved.

While a DUI conviction won’t stay on your driving record forever, it will remain on your record for as long as it stays on your driver’s license. Insurers use your driving record to determine whether or not to give you a new insurance policy, so you should know that a DUI conviction can affect your insurance for three to five years. In addition, a DUI conviction can prevent you from getting specific insurance policies, so you must answer questions honestly.

When your car insurance coverage lapses, your premiums may go up. You’ll have to pay more for your policy, but if you are proactive, you’ll have more time to shop around. Remember, your insurance agency will be more willing to provide you with a quote if you’re bold. This way, you’ll know what you’re facing sooner and be prepared for it.

You can apply for a particular insurance plan through your auto insurance company. In some states, the state will match high-risk drivers with insurers who can offer you the best rates. You’ll likely have to pay more for this type of insurance because it’s so expensive. Regardless of which option you choose, make sure to tell your insurance company about your DUI and your need for SR-22 coverage.

Your auto insurance provider will file the SR-22 certificate with the DMV, and they’ll notify the state if your coverage lapses. The condition may revoke your license if you don’t maintain the SR-22. You can often get a free SR-22 certificate from a company.