Average Cost of Car Insurance

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What is the Cost of Auto Insurance after DUI?

The cost of auto insurance after DUI convictions can be crazy, if you can even get coverage at all. You may even find that if you have a DUI conviction that your coverage gets cancelled all together. This means that even if you have received your driving privileges back you may still not actually be able to drive because you can’t get any insurance. Drivers all across the United States are required to carry a certain amount of auto insurance coverage, except for residents of New Hampshire. This means that you will have to find an insurance company that will give you coverage at a price you can afford.

Your Fees will be High

You are going to have a lot of bills waiting for you after a DUI conviction. In addition to the extra cost of auto insurance after DUI, you will probably also have a number of other expenses, including, but not limited to:

  • Fines
  • Penalties
  • Vehicle towing and impound
  • Alcohol education classes
  • Victim restitution
  • DMV licence reissuing fees
  • Booking, fingerprinting and photo fees
  • Attorney and other legal fees

All of these fees can add up to thousands of dollars, and that is not including the extra costs you are going to have to pay in order to reinstate your auto insurance. This is reason enough to make sure that you never make the mistake of drinking and driving. There is also the chance that you could end up injuring or killing yourself or others.

Discounts You May be Eligible For

Finding an insurer who will help keep the cost of auto insurance after DUI as low as possible is difficult in itself, and you can’t expect to be able to find very good rates. But, there are some insurance companies that will deal with you, and they will work with you to make sure that you get the best rates possible given your situation. You may actually be able for some other discounts that will help you save a little bit on the rates, such as:

  • Combining home, auto and life insurance policies
  • Maintaining a good credit rating
  • Taking driver education courses

You will also need to ask about getting SR-22 insurance coverage. You should contact both standard and non-standard carriers to find out who is offering the best rates for this type of policy.

Even with these discounts, including SR-22 coverage, your insurance rates are still going to be pretty high if you have had a DUI conviction. This is why you need to shop around and contact as many insurance companies as possible. They don’t all charge the same rates, and some are more lenient about covering drivers with such convictions than other insurers are. If you have been convicted of a DUI, you need to find ways to get the insurance you need as required by the law in your state so you can get back on the roads and get your life back. Shopping around for the best insurance rates is one of the best ways you can save on the cost of auto insurance after DUI.