CAR INSURANCE AFTER A DUI
Does a DUI CONVICTION
EFFECT YOUR CAR INSURANCE?
Auto insurance companies may check your driving
record once every three years or when you apply for a
new policy. Some records of accidents, tickets and DUIs
may never make their way to your official vehicle
record and are not picked up under a normal record
check. If your insurer does discover your DUI you
could earn the classification of a "high-risk driver."
If that happens, shopping around at renewal time is the
best strategy, as rates will vary greatly among auto
A rate hike may be the least of your problems after a
DUI conviction. Your policy could be cancelled or
non-renewed. If your policy is cancelled, you'll
be forced to look for new car insurance with a DUI and a
a cancellation on your record!
Laws regarding insurance requirements following a DUI
are different for each state. Most states
will require that you file proof of insurance in the
form of an SR-22. This form must be provided by
your insurance company so there is no way to keep your
conviction a secret. This form proves to the BMV/DMV
that you carry liability insurance and is necessary in
order to end your license suspension. An SR-22 also requires your
insurance company to notify your state’s department of
motor vehicles (BMV/DMV) if it cancels your auto
insurance for any reason. In most cases, you will have
to maintain this proof of insurance for three years, and
in some states it will be for five years.
Not all car insurance companies offer SR-22 policies.
If the company that you are using at the time of the
conviction does not, you will have to go to a new
Delaware, Kentucky, Minnesota,
New Mexico, Oklahoma and Pennsylvania don't require
SR-22s, but if you have an SR-22 and then move to
one of these states, you must continue to meet the
requirements of the SR-22 state where the offense
New York and North Carolina don't require SR-22
filings at all.
In some states there is a fee for SR-22s
If you are insured by State Farm Mutual Insurance Co.
and receive a DUI, State Farm will likely move you into
State Farm Fire & Casualty, which is its standard-policy
company for riskier drivers and higher rates
If you're with Progressive, you will not face non-renewal
or cancellation because of a DUI, but you may face a
rate increase. Progressive also reviews rates on a
case-by-case basis, with multiple factors such as age,
gender, driving history and your vehicle model going
into your rate
It doesn't end there.
Your DUI conviction will follow you if you apply for life
could affect your premiums there, too.
Proof Of Insurance
Under Ohio law, reinstatement of driving privileges after a DUI conviction or suspension requires, among other things, filing "proof of insurance" (the "SR-22" form)
with the Bureau of Motor Vehicles or BMV. For more information directly from the bureau, Click
What Your Insurance Company Knows About You
An inside look at how auto insurance companies get information and what they are likely to know about you and your driving record when you apply
Avoiding Problem Insurers
Check the ranking of insurance companies with the Ohio Department
of Insurance by the number of consumer complaints received.