How can I get car insurance if my spouse has a DUI/DWI?

Car insurance if your spouse has a DUI can either exclude them from coverage for lower rates or include them with increased rates. The average DUI car insurance rates are $217.50/mo.

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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: Jan 24, 2021

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Here's what you need to know...

  • Getting car insurance if your spouse has a DUI/DWI conviction can be a tricky affair
  • Car insurance for a driver with such a conviction is extremely expensive
  • The average car insurance rates after a DUI are $2,610/yr or $217.50/mo
  • This article will tell you the best options you have for finding cheaper insurance for DUI/DWIs

It is natural for spouses with good driving records to want to find a way around the high costs of car insurance following a conviction.

There are essentially two options available to you:

  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.

To compare car insurance quotes, just enter your ZIP code into the FREE box above now!

Car Insurance Excluding a Driver with a DUI/DWI Conviction

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Excluding your spouse from the insurance coverage on your vehicle is the obvious solution to being unable to afford costly coverage. There are numerous car insurance companies out there that will allow you to exclude a driver from coverage.

By excluding your spouse with a DUI/DWI conviction you will be able to save a significant amount on your car insurance premiums.

Keeping your spouse from using your vehicle is critical with this type of coverage. However, if your spouse ignores the fact that he or she is not covered on the insurance for your vehicle and uses it, serious problems could occur.

If an accident were to occur, there would be no coverage at all which could prove to be financially devastating. There are also some states who do not allow exclusions for anyone living in the same house, especially those who are married.

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Car Insurance Including a Driver With a DUI/DWI Conviction

In many cases, a family has no choice but to take out insurance which includes coverage for the driver who has the conviction.

Often it is necessary for an individual to get coverage and driving privileges back again as soon as possible, for work purposes, as well as to help with family responsibilities.

If you have more than one vehicle in your household, you may want to attempt to purchase coverage for the convicted driver on the less expensive vehicle from a different insurer and request an exclusion from coverage for the other vehicle through your insurer.

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If you have only one car, and your spouse must use it too, you will need to have all drivers in the household listed and appropriately charged for insurance coverage.

Therefore your insurance will fall in the high risk category.

You will need to make sure that the insurer you take the policy out with can provide you with the necessary SR-22 paperwork that your spouse will need. In addition, you will need to work hard to keep the cost of such coverage as low as possible.

Get a variety of quotes from different insurers in order to get the best price possible. Even though your premiums will be much higher than average, shopping around can still save you significantly.

How can I reduce my insurance after a DUI?

In order to save even more on your premiums, raise deductibles when appropriate and consider dropping comprehensive and collision coverage if your vehicle is older and paid off.

Get Car Insurance Now

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If you are ready to take out a car insurance policy right away, take the time to get as many quotes as possible so you can find the best possible premium. To make this easier put the free online quote tool on the job.

You just need to input your ZIP code and you will be asked a variety of questions about your vehicle, the coverage you want and, most importantly, the drivers in your home.

Answer all questions honestly to avoid further difficulties. Your information will be submitted to numerous companies serving your area and in no time you will begin to get quotes from companies who are willing to insure you.

As with all car insurance purchases, you should take the time to carefully compare the quotes you receive based on the duration of the policy quoted, the coverage limits and other details.

Be sure to read the fine print, especially if a quote is much less expensive than all the others.

In addition, you will want to check out the customer service record of the insurers you are considering buying from. You can do so by contacting the department of insurance in your state or by doing an online search for complaints on the company.

You should also check its financial status by getting its independent insurance ratings from a company like A.M. Best.

Put the car insurance quotes tool to work for you now by entering your ZIP code to get started.

References:

  1. https://carinsurance.about.com/od/High-Risk-Insurance/a/What-Is-A-High-Risk-Driver.htm
  2. https://www.wisegeek.org/what-is-the-difference-between-collision-and-comprehensive-auto-insurance.htm
  3. https://www.consumerreports.org/cro/car-insurance/buying-guide.htm?searchToken=car%20insurance
  4. https://www.naic.org/state_web_map.htm
  5. https://ambest.com/

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