Car Insurance After a DUI (How to Find Cheap DUI Insurance Rates)

Now what? It’s time to get serious.

Getting a driving under the influence (DUI) conviction is not a good thing — and that’s an understatement. The offense will remain on your driving record for a long time if not forever. You may be wondering if it’s even possible to get car insurance and how to go about finding it at an affordable rate.

One of the best ways to find better rates is by comparing quotes from not only your insurer, but other companies as well. You can do that right here by entering your ZIP code above.

We’ll help you navigate the process and give you the information you need to find required car insurance at the best rate.

Let’s start by giving you a heads up about how much you can expect your rates to increase after a DUI.

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Can you still find a good rate after getting a DUI?

There will undoubtedly be an increase in your car insurance premiums after you tell your insurer that you have a DUI conviction. Insurance companies are all about managing risk. A DUI puts you at a greater risk for future claims, so you’re going to pay more.

Finding the best rate after getting a DUI can be a very complicated affair.

Nine percent of drivers involved in a fatal accident with a BAC over the legal limit of 0.08 percent had a previous DUI conviction.

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How much does a DUI raise your car insurance rates?

We’ve partnered with Quadrant Information Services to gather data related to DUI compared to other variables. The best way to save on your car insurance is always to compare rates from multiple providers and make sure what you are comparing is apples to apple.

This is never more important than after a DUI conviction when you’re sure to see your rates raise. Don’t assume the first or second you research will provide you with sufficient coverage and the cheapest rates after a DUI.

What is the average cost of coverage with a clean driving record vs. one with a DUI?

What does the average cost look like in a demographic?

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What would DUI costs look like by company?

More than ever, if you have a DUI it’s critical you compare rates from different providers to make sure you get the best protection you can afford.

How long does a DUI affect car insurance?

The answer here varies by state as well as by company. Usually, the effect of a DUI on insurance coincides with the look-back period in the state. Typically, car insurance rates are highest during the first three years after a DUI conviction. Years three through five post-DUI tend to see reduced car insurance rates.

We’ve shown you some actual quotes to compare above, but your situation is going to be different, and the quotes you receive may vary greatly from the ones our sample people received.

Comparing rate quotes for yourself is the best way to find the best rate. Right here on this page, we have a rate comparison tool that will allow you to receive many quotes at once without having to enter your information over and over at individual car insurance websites.

What is an SR-22 requirement?

An SR-22 is also called a certificate of financial responsibility. Depending on where you live, it may also be called an FR-44 or FR-19.

When a person gets a DUI or commits another serious offense specified in state laws, they may be required to file a certificate of financial responsibility (SR-22, FR-44, FR-19).

The SR-22 is not insurance. It is simply a form filed BY the insurance company WITH the state.

The form must be filed with the state for the duration of your requirement. If the requirement is for three years, then the form will have to be filed for three years. An SR-22 form requires the insurance company who filed it to notify the state DMV if insurance coverage is dropped during the required period.

You will know if you have to file a certificate of financial responsibility. If you receive a DUI conviction, the requirement will be part of your penalty.

You may be able to stay with your current insurer if they are able and willing to file an SR-22. If not, you can choose a new provider who will.

You can most certainly change insurance companies while you have an SR-22 filed, but you must have new insurance in place with SR-22 filing before canceling your previous coverage.

The following states do not have a certificate of financial responsibility requirement:

• Delaware
• Kentucky
• Minnesota
• New Mexico
• New York
• North Carolina
• Oklahoma
• Pennsylvania

All other states have a certificate of financial responsibility requirement. Typically, it’s required for three years, but it can vary between one and five years depending on the sate.

The fee to file the form varies but is around $25.

Could your coverage be cancelled after you receive a DUI?

It’s possible that your car insurance coverage could be canceled following a DUI conviction. There are some states that do not allow insurance companies to drop customers because of a DUI, but most states allow it. And it is likely you will be dropped where it’s allowed.

If that happens, you’re not without hope. There are likely other companies that will take on your higher risk.

If you have one non-injury DUI on your record, you will likely not have too much of a problem finding insurance from a major company. However, if you have multiple DUIs, you might come to an impasse with conventional insurance companies.

That’s where assigned risk pools come into play.

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What are risk insurance pools?

According to Investopedia:

Some drivers, however, have poor driving records and may not be able to obtain coverage because they present too much of a risk. Insurance regulators will require insurance companies to pool together and accept the assigned risk.

Some states’ high-risk pools require you to try to get insurance the normal way from several companies and then after you’re denied, you can apply for the state’s assigned risk pool.

You have to have car insurance to drive, and these pools are sometimes the only way high-risk drivers can fulfill these requirements.

What are the state laws associated with a DUI?

There are state-specific consequences, but some laws are universally recognized by each and every state. One of those laws that is key to our discussion is “implied consent.”

Implied consent means that by using the road, the driver is implying that he or she consents to chemical testing when lawfully arrested for a DUI.

By refusing to be tested with a breathalyzer and/or a blood test, the motorist will face consequences similar to and maybe harsher than the penalty for a blood-or breath-confirmed DUI.

Another law adopted by each and every state is the blood alcohol content (BAC) level limit. If your BAC level is 0.08 percent or higher, you can get a DUI. But keep in mind that even if your BAC is lower than that, you can still face a DUI conviction if impaired driving can be proven.

Utah was the first state to adopt the 0.08 percent (from 1.0 percent) BAC limit in 1983, and they recently became the first state to set a new, lower, BAC limit of 0.05 percent, making it the strictest state in the U.S.

Underage drivers face zero-tolerance laws in all 50 states. Some states specify that an underage driver can be arrested for a DUI with any traceable level of alcohol in their blood, while others place the BAC limit at 0.02 percent.

Commercial Drivers: Can you lose your CDL?

The Federal Motor Carrier Safety Administration (FMCSA) has established guidelines for commercial drivers that are stricter and carry heavier penalties than for non-commercial drivers.

Most states have adopted stricter guidelines for commercial drivers. While the BAC limit for standard drivers is 0.08 percent, the limit for commercial drivers is typically 0.04 percent.

A commercial driver who refuses a blood alcohol test essentially pleads guilty to a DUI under FMCSA rules.

A DUI conviction while driving commercially can often result in tougher penalties than when driving for personal use. During the period of time the driver’s license is suspended after a DUI, he or she will obviously not be allowed to drive commercially.

If a commercial driver is convicted of a DUI in their personal vehicle, they must report to their employer within 30 days. While the DUI doesn’t have a direct impact on the CDL license per se, it definitely will affect a person’s chances of driving for a living:

• A driver with a suspended license cannot drive personally or commercially
• A suspension issued while driving commercially is often longer than one issued while driving personally
• A driver with a DUI on his or her license will likely have a hard time securing employment

To sum it up, a DUI is not going to strip you of your CDL license, but license suspension penalties will apply, and securing work with a DUI on your record will be difficult.

Another group that has a different set of limitations is minors. Check out the BAC limits for minors next.

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What about a minor DUI charge?

According to Mothers Against Drunk Driving (MADD):

About a quarter of car crashes with teens involve an underage drinking driver.

The limits for BAC are lower for those under 21, since consuming alcohol under that age is illegal. Also, younger drivers are still gaining experience, and driving even with a low BAC could have deadly results.

Notice that you don’t always have to be “driving” to get a DUI. In many states, just being in “physical control” of the vehicle is enough for a DUI charge. Physical control could mean sitting in the car with keys in your pocket.

What’s the difference between a DUI and a DWI?

There is really no difference.

Each state legislates impaired driving laws and names the offense. Most states label alcohol-impaired driving a “DUI,” but here are the other names and where they’re used:

• Driving After Imbibing (DIA) – Pennsylvania
• Driving Under the Influence of Intoxicants (DUII) – Oregon
• Driving While Impaired (DWI) – Minnesota, New Mexico, North Carolina
• Driving While Intoxicated (DWI) – Missouri, New Hampshire, New York, Oklahoma, Texas, Wisconsin
• Operating a Vehicle Under the Influence (OVI) – Ohio
• Operating a Vehicle Under the Influence of an Intoxicant (OVUII) – Hawaii
• Operating Under the Influence (OUI) – Anchorage (the state of Alaska issues DUIs), Maine, Massachusetts
• Operating While Intoxicated (OWI) – Indiana, Iowa, Michigan, Rhode Island

While there may be differences in the nuances of a drunk driving offense in California where it’s called a DUI and Ohio where it’s called an OVI, there are also differences between a drunk driving offense in New Jersey and South Dakota where they’re both called a DUI.

Note: Colorado has a driving while ability impaired (DWAI) offense for BACs of 0.05 percent up to 0.08 percent. A BAC over 0.08 is called a “DUI per se.” A DUI in Colorado requires no blood alcohol test.

Understand that there are variations between all the states, and the differences are not necessarily related to the name of the charge.

What is a look-back period?

The look-back period is the time frame in which a previous DUI will be looked at by anyone, be it the police or an insurance company. In Illinois, for example, that period is 10 years. If a person there got a DUI three years ago and then got arrested for a DUI again, it would be considered and penalized as a second offense.

If an Illinois resident got a DUI 15 years ago and then is arrested for a DUI again, that offense will be penalized as a first offense.

The look-back period is also known as the washout period. After that time period has lapsed, insurance costs for you might decrease once again.

What criminal status is a DUI given?

Depending on which state you live in, the criminal status of a DUI conviction varies. In most states, a first DUI is a misdemeanor, although it’s an infraction in some states and a felony in others. Typically, the DUI offense turns into a felony if it’s repeated several times.

Minnesota – 4th degree offense w/no aggravating factors is misdemeanor; 3rd degree offense w/one aggravating factor is gross misdemeanor; 2nd degree offense w/two aggravating factors is gross misdemeanor; 1st degree offense w/3+ aggravating factors is felony (Aggravating Factors: 1) any prior drunken driving offense 2) driving with BAC > 0.19 3) driving w/passenger

Check out these interesting state laws and penalties below. You really don’t want to get a DUI in Ohio!

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What are some state laws to take note of?

Below, we listed some variances that are unique to certain states.

Colorado

• DUI – Driving under the influence of alcohol, drugs, or a combination of alcohol and drugs. No blood alcohol test is needed.
• DWAI – Driving while ability impaired by alcohol, drugs, or a combination of alcohol and drugs. BAC limit over 0.05 and under 0.08.
• DUI per se – Operating a vehicle with a BAC of 0.08 percent or more.

We can’t bring up Colorado without talking about marijuana. According to Colorado’s state website…

Under Colorado law, drivers with five nanograms of active tetrahydrocannabinol (THC) in their blood can be prosecuted for driving under the influence (DUI).

Law enforcement officers don’t have a breathalyzer-comparable device to test THC levels, so, often drug recognition experts (DREs) are called in to detect impairment level.

Ohio

In Ohio, all second and subsequent DUI offenders are required to use a bright yellow plate with red lettering. These “party plates,” also called, “scarlet letter plates” are required on every vehicle the offender intends to drive.

Utah

Utah, as of December 30, 2018, has the lowest BAC limit for a DUI in the country at 0.05 percent.

Alaska

In most circumstances, an Anchorage police officer will give the offender an OUI charge, while State Troopers will issue DUI charges to everyone in the state, including in Anchorage.

North Carolina

Are there any penalties?

As with all things illegal, penalties accompany DUI convictions. There are tales of individuals, couples, and families being financially ruined because of the consequences of a DUI.

You might think that fines are all the monetary loss you will experience following a DUI conviction, but have you considered the financial toll having your license suspended will bring?

Add the extra transportation cost to the higher insurance premiums, and the financial impact is felt in a great way.

Fines

The fines are just the tip of the iceberg. According to a survey administered by NOLO, a first DUI costs an average of $6,500. And likely that’s a low estimate because included in the survey were people whose charges were dropped or who won their case.

Also, that $6,500 doesn’t take into account lost wages. The average rates do fluctuate a bit, so it’s best to see what all of the variables will be in order to better understand them.

Imprisonment

This is one penalty that is a possibility, but likely won’t happen, especially with a first offense. You could be imprisoned for a first DUI, but it isn’t standard. Subsequent DUIs often carry a minimum jail sentence, in which case, you will definitely serve time, which would then go on your criminal record. Don’t be surprised if the average rates you’re expected to pay for insurance increases after a sentence.

Can you get your license suspended? 

This penalty should be one of the greatest deterrents to drinking and driving. For most Americans, the ability to drive is vital for normal daily activities. You’ll have to rethink your errands, commute, and activities if you have your licenses suspended and can’t drive. We’ve already mentioned the fact that there are rate increases if you get a DUI, but that doesn’t take into consideration what would happen to the rest of your life. Everything would change, and not necessarily for the better.

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Will you need to enroll in programs because of a DUI?

Often, part of the penalty for a DUI conviction is education and assessment and/or treatment. The point of these required programs is to help the attendee not repeat the offense. If you want the lowest rates of coverage that are going to be available to you, chances are you’re going to have to show some proof of education.

Mandatory Interlock

All states have a requirement for an ignition interlock device (IID). Over half of the states in the US require their installation after the first drunk driving offense, while others offer incentives to those who install an IID, and others require IIDs after subsequent offenses.

An IID is a breathalyzer that is designed for a vehicle. Before the vehicle can be started, the driver has to blow into the device. If the person’s alcohol level exceeds the prescribed limit, the vehicle will not start.

Next, you’ll see the IID requirements for each state:

If these seem like strict guidelines, know that they are only in place to deter anyone attempting to get behind the wheel while under the influence. More people should be aware of what goes into making sure someone practices safe driving techniques, and these rules are a good start.

Can you be punished for a high BAC?

Many states have higher penalties for persons caught driving with a BAC over 0.15 percent. The stiffer consequences are for good reason.

Over 50 percent more drivers involved in fatal crashes had a BAC level of 0.16 percent than those with a BAC of 0.08 percent.

Insurance companies will often increase rates by a higher percentage for those convicted of a high BAC DUI than those convicted of a standard DUI.

Below are the high BAC limits by state. Some states have more than one tier of high BAC offense.

High BAC is strongly related to the fatality rate when driving. See just how strong the correlation is next.

What is the DUI fatality rate?

This data is available from FARS 2017 ARF, and the graphic was designed by the National Center for Statistics and Analysis, “Alcohol-Impaired Driving: 2017 Data.”
On the map above, you can see the percentage of DUI-related traffic deaths out of all traffic deaths. A BAC level of 0.08 percent makes you 250 percent more likely to be involved in an accident than someone with no alcohol in his or her blood.

And when you have a BAC level of 0.16 or higher, you’re looking at an over 1100 percent increased chance of being in an accident. Let those stats serve as education. It’s not just about finding the cheapest coverage options, it’s about avoiding unsafe situations that could put others in danger. Don’t drink and drive. Your life is worth finding a different ride.

What about the fatality rate vs. arrest rate?

“Each day, people drive drunk more than 300,000 times, but only about 2800 are arrested,” according to Mothers Against Drunk Driving (MADD). Obviously, there are many times more people drinking and driving than are getting caught.

You would think that in states where DUIs are being pounded by law enforcement, you’d see less drunk driving and fewer fatalities, but as you can see by this chart, they don’t seem to correlate. In fact, the three states with the highest arrest rate are in the top seven states for death rates.

There is a little more correlation between the death rate and the rate at which people admit to drinking and driving, though it’s still certainly not a magic formula.

The states that have the highest fatality rate tend to be less populated states with many miles of roadway. You’ll certainly have more of a chance to cause a fatality when traveling at highway speeds than you would while traveling in town.

There are more arrests made in the states where people admit to drinking and driving at higher rates.

Also in the states at the top of the list vs. the states at the bottom of the list, there is a big difference in access to public transportation. New York City runs on public transportation and taxis. Montana doesn’t; in most small towns you’d be hard-pressed to even find an Uber driver.

Another factor is that in metropolitan areas, people tend to frequent their local tavern, which is close and maybe even accessible by foot. In states like Montana and Wyoming, metropolitan areas are few and far between, and it’s almost a cultural part of life to drive home drunk, often covering many miles.

What are the consequences for getting a DUI?

Waiting on data

It’s not just about the loss of driving privileges. There are consequences surrounding your insurance as well. If you have caused a DUI crash or even just been involved in one, you’re going to want to read on to learn if insurance will cover that crash.

Will insurance cover a DUI crash?

This topic is tricky. The insurance company may cover your liability after you cause a DUI crash. But, it may not.

Determining which insurance company pays for the damages caused by the accident depends on which driver was at fault and your state’s particular insurance laws.

If you were found to be under the influence of drugs or alcohol at the time of the accident, you will most likely be considered the cause of the auto accident.

Some states have a no-fault system. In a no-fault state, each driver must file a claim with their car insurance provider for personal injury claims and the individual’s insurance company pays for those expenses.

However, living in a no-fault state does not entirely preclude you from being sued.

Usually, those exceptions state that you can be sued if you cause grievous bodily harm to another individual, and you were obviously the driver that caused the accident.

When the state does not have no-fault laws, the insurance companies must determine who caused the accident because that driver’s insurance company will be responsible for paying for damages and injuries that were caused by the accident.

If you are determined to be the driver that caused the auto accident, because your blood alcohol levels were higher than legally allowed, your insurance company may or may not pay your expenses.

It depends on your specific insurance policy and the policies of your insurance company. They may argue that drunk driving was an “intentional act” and thus deny coverage.

If your insurance company denies coverage for the damage you cause another party, you will be responsible for paying those damages out of pocket.

If you practice safe driving habits, this won’t concern you. However, if you’ve driven in error and you’re needing to watch your budget, keep reading to see what sort of insurance discounts are available to you.

Are there ways to have DUI insurance and still save money?

Not every car insurance company will insure you if you have been convicted of a DUI or DWI as this makes you a high-risk driver. If you find a car insurance company that is willing to insure you once your driver’s license is in good standing, you will probably have higher monthly costs, and will no doubt be required to take on additional coverage.

By shopping around for different DUI car insurance, you may be able to find lower rates.

One of the best things you can do is complete a drunk driving rehabilitation course, even if the law does not require it of you. Completing a course like that can help lower your car insurance premium if you are convicted of drunk driving.

Any tip that can be used to reduce standard car insurance can also apply to car insurance that is purchased by someone with a DUI. This means that you can reduce your premiums by doing the following:

• Raising your deductible
• Limiting the drivers on your policy
• Lowering your annual mileage

It might seem like a lot to do, but if you’re on your way to having a safer, clean history on the road, you’ll want to work with your current provider to ensure you’re doing everything you can. And if you’re in the market, finding lower rates can start right here! Enter your ZIP code into our rate tool below and start comparing quotes.

FAQs

Below, we have answered some of the most popular questions concerning DUIs.

What car insurance options do I have if my spouse has a DUI?

There are essentially two options available to you if your spouse has been convicted of a DUI:

1. Get car insurance that excludes the driver with the DUI/DWI conviction.
2. Get coverage that includes that driver and try to get the best deal possible on the premium.

How long will my insurance rates stay high following a DUI?

Likely, your insurance rates will drop as the years since your infraction grow and the insurance company will likely not consider your offense at all once you reach your state’s washout period.

Can you get a DUI while parked?

This answer depends on the state laws where you live. Some laws specify that it is illegal for a person to “drive” under the influence of alcohol, so if that’s what your laws state, you’d actually have to be driving.

Most states add to the driving requirement and say “being in physical control” of the vehicle, which sitting in the driver’s seat with the keys in the ignition would constitute. In a lot of places, the keys don’t even have to be in the ignition, just in the driver’s possession.

How does a law enforcement officer determine if you’re driving under the influence?

The officer will most likely pull you over because you have disobeyed a traffic law. He will then use his senses to gather information like the smell of alcohol, hearing slurred speech, etc. If his or her suspicions warrant further investigation, he or she may ask you to take a field sobriety test. Based on the results of the maneuvers test, you may be asked to blow into a breathalyzer.

Is reciting the alphabet backward part of the field sobriety test?

No. Can you even do that when you’re sober?

What happens if I have a DUI on my record and move to another state?

It depends on which state you got a DUI in and what state you’re moving to. Many states have shared databases, which means your DUI offense will move with you. California will evaluate the DUI conviction and decide if it falls under their DUI laws.

Can I get a DUI if my BAC is under the legal limit?

Actually, in a lot of places you can. It’s a harder offense to prosecute, but if the officers can prove impairment, you may still be faced with a DUI even if your BAC is under 0.08 percent.

Can you get a DUI riding a bicycle?

Yes, in some states.

What Happens to Your Insurance When You Get a DUI?

How much does your insurance go up after a DUI?  A DUI conviction will increase your car insurance rates by 41% on average. One blemish on your driving record could follow you for three to seven years.

• Driving under the influence (DUI) of alcohol or drugs will affect your auto insurance rates
• Not only is driving under the influence dangerous and illegal, it can even be deadly
• If you receive a DUI charge, you may face legal fines, jail time, or other court-mandated consequences
• A DUI charge will negatively affect your auto insurance

There are many circumstances that negatively or positively affect auto insurance. Being aware of what affects your auto insurance rates and coverage is one way to make sure you are getting the best deal that you can as well as saving money.

However, some circumstances not only affect your car insurance but also can have devastating effects on your life and the lives of others.

Read on to learn about DUIs and auto insurance and then be sure to do the proper research and enter your ZIP code in for a free car insurance quote comparison.

What is a DUI charge?

All 50 states have strict DUI laws.

Anyone who operates a motorized vehicle while intoxicated with alcohol, illegal drugs, or prescription drugs is in danger of receiving a DUI.

• When a law enforcement officer notices signs of intoxication while driving such as erratic driving, or visible signs of drinking in the vehicle, they may perform a traffic stop.
• If signs continue during the traffic stop such as a smell of alcohol, slurred speech, or other odd behaviors, the officer can perform a field sobriety test.
• If a driver fails this test, the officer can perform a Blood Alcohol Content (BAC) test.

In many states, .08 percent BAC is considered intoxicated while other states have even lower percentages. Some states have a percentage of .02 percent for those under the legal drinking age.

What are the legal ramifications of a DUI charge?

Before worrying about how a DUI affects your auto insurance, the legal ramifications should be noted.

Again, the consequences will depend on the state, judges, if others were injured or killed because of your DUI, or if you have previous DUI charges.

Legal consequences include:

• Fines
• Jail time
• Loss of license for a year
• Loss of license for life
• Court-ordered rehabilitation

For a first time offense with no damage or injury caused, full driving rights may eventually be restored, if your record stays clean. For repeat offenders, full driving rights may never be restored.

Fines can ruin your financial picture as well. Some states will fine those convicted of a DUI up to $24,000.

Regardless of legal ramifications, driving while intoxicated is never a good idea. It is dangerous and can be deadly.

What are the effects of a DUI on car insurance?

Having a DUI on your record automatically classifies you as a high-risk driver.

Being a high-risk driver means that the insurance company is taking a high risk by insuring you because the risk of you causing an accident or needing to file a claim is high.

The higher the risk the higher the cost of insurance.

Other types of high-risk drivers are teenagers, those with multiple accidents, and those who have driven without insurance.

If you have been convicted of a DUI, insurance is still available, but finding a company may be more difficult.

A DUI will stay on your record for at least 3 years or more depending on the state you receive your DUI in. This means that for three years you will be considered a high-risk driver even if you have no other incidents.

Many insurance companies will not insure someone with a DUI charge so finding a company may take some research.

Be sure to let your insurance company know if you received a DUI charge right away. If they find out through the state, they may cancel your insurance without notice.

The easiest way to find a company is to compare rates online using an online comparison tool. You can see rates and policy information side by side so that you can determine how much your insurance coverage will be.

Comparison tools allow you to input your information  and receive quotes and rates from several companies. Enter your ZIP into our quote tool to start now!

Best Rates for DUI Car Insurance

Finding the best DUI car insurance rates online can happen if you are willing to shop around, but it won’t be easy.

Drivers with one DUI pay 41% more for car insurance on average. Lower your rates with discounts for low mileage, safety features, and age ranges.

• Those with a DUI are considered high-risk drivers
• Some companies offer products designed for drivers who have been convicted of a DUI
• The best way to find low premiums is to request quotes and perform price comparisons online

A driver who has been convicted of driving under the influence of alcohol or drugs will likely pay high car insurance premiums every month. This is mainly because they are considered high-risk drivers.

People who have had DUIs are more prone to having accidents and causing damage. Insurance companies often impose serious penalties on drivers who have had a DUI.

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Do car insurance companies check driving records?

Typically, insurance companies check DUI conviction records at least once every three years. They also check conviction records when a driver applies for a new insurance policy.

Insurance companies may miss the DUI record at first. However, drivers may lose their policies and be barred from renewing if their insurance company finds out later.

They may be forced to look for another car insurance company. Consumers in states that do not require the SR-22 may be lucky enough to be free from this problem.

They may not face high premiums at first. However, their rates will increase if their insurance companies ever find out.

Drivers with DUIs should not lose hope. Although DUI car insurance is very costly, there are still ways for people with DUIs to obtain cheaper rates.

There are car insurance companies that offer products designed for drivers who have been convicted of driving under the influence. Consumers can find many of these companies online.

They are called non-standard carriers, and they handle high-risk drivers.

Can you get quotes for this type of insurance?

Drivers with DUIs should not be surprised by the initial quotes they get from car insurance companies. They should expect to pay more for their car insurance.

Fortunately, there are several ways for people with DUIs to lower their car insurance.

Consumers should spend extra time and effort looking for companies that specialize in insurance for people with DUIs.

They should ask for quotes from various companies. It is best to compare prices while paying attention to deductibles and coverage limits.

People have a higher chance of finding the most affordable rates if they obtain quotes from a number of companies.

How can you find lower rates for insurance?

Consumers should review auto insurance quotes carefully. Some may appear to be very cheap, but they may offer limited coverage. People with DUIs can also find added benefits to help lower monthly payments.

• Look for age-related discounts – Most car insurance providers offer discounts for people in a specific age range. This can help in decreasing monthly premiums.
• Install car safety features – Adding accessories like air bags, anti-theft devices and anti-lock brakes can also reduce monthly premiums. Although this can be costly, it can help lower insurance rates. These devices ensure the driver and the car are less prone to having problems.
• Obtain membership in accredited organizations and unions – Some insurance companies offer special rates to certain groups. This can help people with DUIs obtain discounts on their monthly premiums.
• Obtain multiple types of insurance from the same company – People who have DUIs can apply for both home and auto insurance from the same company. By doing so, they may be eligible for big discounts. Insuring multiple cars with the same company may increase rates even further. Combining car insurance with other types of insurance always helps people obtain more favorable rates.
• Keep car mileage low – People who have cars with low mileage can often get discounts. When people only drive short distances, they are less likely to have accidents. Insurance companies give people who have cars with low mileage better rates because the insurers are less likely to have to pay for expenses that come from accidents.

Consumers should check to see if insurance companies have these discounts available. The best DUI car insurance providers offer these discounts for all customers.

Consumers should contact company agents to see if these discounts are available for drivers with DUIs.

Although drivers with DUI convictions are more likely to be rejected by some insurance companies, they can always find an insurance company that will accept them.

Many alternative insurance companies accept drivers with DUIs and offer them competitive rates. These companies also offer discounts for certain people.

The best DUI car insurance companies provide complete information about the choices available for consumers with DUIs.

How do you go about requesting quotes?

Requesting quotes from multiple car insurance companies is the easiest and most convenient way for DUI drivers to find the best rates. With this, they can get more options and become aware of other ways to cut down on costs.

This also provides people with the opportunity to discover non-standard insurers that they may have never heard of before. Small insurers often cater to drivers with DUIs and provide them desirable rates and terms.

In fact, there are many non-standard insurance providers on the market nowadays.

They are the best insurance companies for drivers with DUIs to get quotes from, and they certainly offer discounts to help consumers with DUIs.

On the other hand, standard carriers usually only accommodate consumers with clean driving records. Drivers with DUIs may also get quotes from them, but they almost always offer higher premiums than non-standard insurance companies.

The most important thing that drivers with DUIs should bear in mind is that they always have choices.

Should you compare insurance companies?

There are also companies that specialize in both standard and high-risk drivers, and this makes consumers even more confused. The best way to find low premiums is to request quotes and perform price comparisons online.

Consumers should also educate themselves about their car models and their state laws. Discount programs may not be available in some areas.

Shopping around always makes hunting for the best DUI car insurance quotes a lot easier. Consumers should take advantage of the tools available online.

With non-standard insurance providers, drivers with DUIs can be confident that they have a high chance of getting affordable car insurance rates.

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