DUI car insurance is expensive… You will end up in the High Risk car insurance category, and have to file for SR22 car insurance coverage.

Once you have been convicted of Driving Under the Influence conviction your car insurance premiums will be affected. When you first receive your DUI you may notice a spike in price for your insurance coverage. Then when you go to renew some companies will cancel your policy when it expires. If you were uninsured at the time of your DUI it will be very difficult to find cheap DUI car insurance. However, if you have been denied insurance coverage by one company do not hesitate to try a different one.

Just because you were arrested and will probably have to pay huge fines along with having your license suspended and paying more for car insurance doesnt mean the affects will stop there. More chances then not, you will have to file an SR22 car insurance form for high risk drivers.

SR22 Car Insurance Form

If convicted of a DUI, in most states you will be required to file an SR22 car insurance form. Which is what your insurance provider will give the DMV to show that you have the states minimum insurance. On the other hand, if you or your car insurance provider cancel your insurance coverage… DMV will also be notified. If your drivers license has been suspended you may also have to file for an SR22 car insurance form to have it reinstated. Just like drinking and driving, looking for DUI car insurance is a gamble. Some insurance companies will insure ” High Risk ” drivers, and others will immediately cancel or wont provide insurance coverage for SR22 canidates.

Driving Under the Influence will remain on your driving record for a given amount of time, it all depends on where you live. For example, in California a DUI will be on there for 7-10 years, in New Hampshire it is 10 years… however in Alaska, it will remain on your driving record forever.

High Risk Car Insurance

If you are labeled high risk to car insurance companies it is not the end of the world. You may experience a higher cost of car insurance then normal, but honestly… what did you expect ? You were drinking and driving. On average a high risk driver could see up to a 30% increase in their insurance premium, which will last for as long as the DUI is on the driving record. In this case the best thing to do is get as many car insurance quotes as you can, until you find cheap DUI car insurance for high risk drivers.