Car Insurance Tips After DUI

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • If you have gotten a DUI or a DWI, your car insurance rates will rise drastically
  • Drunk driving is dangerous and can result in far worse outcomes than increased insurance
  • Completing a drunk driving rehabilitation course could help your insurance premiums

If you have been convicted of a DUI, car insurance is not going to come to you easily or inexpensively. Driving drunk is a serious conviction that affects your car insurance rates if and when you have your driving privileges reinstated.

Drunk driving has many consequences. If the worst that happens is that you lose your license and pay more for insurance, consider yourself lucky and vow never to make that mistake again.

Many avoidable fatalities occur every day because of drunk drivers, so the penalties for DUI convictions are steadily getting stricter.

Many states have reduced the number of allowances a driver is able to have before having their driver’s license revoked. Previously, if you were pulled over on suspicion of driving drunk you had the keys taken away and maybe your driver’s license suspended.

Now if you get pulled over for driving drunk you could face criminal charges and jail time. Regardless of the sentence, a DWI or DUI conviction will end up causing you a serious increase in your car insurance premium.

Compare car insurance rates now by entering your zip code!

Standard Sobriety Tests for Drunk Driving Suspicions


There are several field sobriety tests that a motor vehicle operator can be given to determine if driving under the influence of alcohol is suspect. In addition to field tests, police officers can request a breathalyzer test to determine the alcohol level in your blood.

Field sobriety tests involve cognitive testing and physical testing. Standard physical tests include:

  • Balancing on One Leg – If you are asked to stand on one leg you will be instructed to raise your foot a half a foot above the ground and keep your hands at your side. You will probably have to count to 30 before you are allowed to lower your foot.
  • Walking and Turning – The walk and turn test requires you to walk in a straight line for approximately 10 steps. The tricky part is having to put the heel of one foot directly in front of the toes of the other foot. You will then have to turn and walk back in the same fashion. You may be asked to count out loud the steps that you are taking.
  • Horizontal Gaze Nystagmus – Another standard test involves the police officer holding up an object for you to stare at. They will move the object horizontally and watch intently as to how your gaze follows the object.

The officers are trained in reading responses to these tests and if you fail even just one part of the test you may be subject to further testing. Failing more than one test will most likely result in a DUI or DWI conviction.

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Non-Standard Sobriety Tests for Drunk Driving Convictions

In addition to some of the standard field sobriety tests mentioned above, there are additional tests that a police officer may give you if he suspects you have been driving drunk. Some of the non-standard sobriety tests are briefly explained below:

  • A police officer may ask you to stand upright, with your feet together and your hands at your sides. You have to dip your head back so that you are looking upward and then raise one hand to touch the tip of your finger directly to your nose. You then have to repeat the movement with your other hand.
  • You may be asked to count how many fingers the officer is holding up for you.
  • You may need to recite the alphabet forward or count backward.

If you fail any of these tests you will probably be requested to take a breathalyzer to confirm your blood alcohol content. If your blood alcohol content exceeds the legal limit, you can be convicted of a DUI and you will have a hard time getting car insurance.

Finding DUI Car Insurance

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 have to pay an enormous premium.

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:

Once you are convicted of a DUI, car insurance is automatically going to increase for you. Enter your zip code now and start getting car insurance quotes for cheaper post-DUI coverage.

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