DUI Affect on Car Insurance

When a person is convicted of a DUI/ DWI they can be in a lot of trouble. In addition to paying fines a person will notice an increase in their car insurance. To car insurance companies they are now considered to be a high risk making their car insurance premiums go up. A person can still have car insurance with DUI if they are willing to pay for it.

 DUI car insurance increase will vary from state to state. The average increase that a person will see in their car insurance premium is about $2,700. They can expect to pay this higher rate for a number of years. A person is considered to be a high risk and an insurance company has to decide if they want to be insured. Before paying this higher insurance rate a person may have to pay additional fees to keep their license in good standing. A DUI conviction will show up on a person’s criminal background check as well. Some employers may turn a person down for employment. Some companies will even terminate a person if they are convicted of a DUI/DWI.

 In addition to paying additional money for car insurance a person will often have to have special forms filled out. These forms include an SR-22, FR-44 or an Fr-19. These forms will have to be filled out by the insurance company to prove that a person is carrying the correct state mandated car insurance. Many companies will file these papers on behalf of a person but they will charge. The least amount of money an insurance company will charge for filling out these papers is around $25. This fee may increase based on the company.

 A person has to pay additional money for their car insurance for a period of seven years. After this time if they have no additional violations they may be able to have these rates reduced and come back to normal rate. Not only it is dangerous to drive while intoxicated it is expensive as well. You need to find a reliable car insurance provider in order to get an affordable rate.