Reader’s Question:

What is DUI insurance? Who needs it?

Jonathan

Bismarck, ND

DUI insurance is simply an auto insurance policy that is specifically designed to cater to people who are convicted of DUI (drinking under the influence) offense. Having convicted of such offense usually results in the cancellation of an existing auto insurance policy or nonrenewal of your policy. Also, being convicted of DUI automatically labels you as a high-risk driver.

However, there are still car insurance companies who are willing to insure a person with a DUI conviction and will offer you DUI insurance. But bear in mind that this kind of auto insurance is very pricey. In fact, if you will compare it from an ordinary auto insurance policy the price difference can be as high as 200% or even 300%.

If you are caught drinking while driving, your license will be suspended or revoked. Once you are convicted of DUI, you will be required to file proof that you have an existing auto insurance coverage in the form of SR22. For your license to be unsuspended, your own car insurance company needs to file the SR22 form to your state’s Department of Motor Vehicles. Usually, you will be asked to carry SR22 form for a period of three years.

You may be wondering on how long auto insurance companies will charge you with DUI insurance. That depends on your state’s law and auto insurance company’s guidelines. But from what I know, as long as the DUI conviction is still on your driving record, it will still affect your auto insurance rates even if you switch to another auto insurance company.