How To Get Auto Insurance After A DUI Or DWI Conviction

​A DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction can have significant consequences, including a substantial impact on your ability to secure auto insurance. Many insurance providers view individuals with DUI or DWI convictions as high-risk drivers, leading to increased premiums or policy cancellations. However, it's possible to obtain auto insurance even after such convictions. In this blog, we'll guide you through the steps to get auto insurance after a DUI or DWI conviction.

1. Understand State Laws:
   First, familiarize yourself with the auto insurance requirements in your state. Each state has its own laws regarding insurance coverage, including minimum liability limits. Compliance with these laws is essential, even after a DUI or DWI conviction.
   
   
2. SR-22 or FR-44 Filing:
   In many states, individuals with DUI or DWI convictions are required to file an SR-22 or FR-44 form with the Department of Motor Vehicles (DMV). This form serves as proof of insurance coverage and demonstrates your financial responsibility. Your insurance provider can assist you in filing the appropriate form.
   
   
3. Consider Non-Standard Insurance Providers:
   Non-standard insurance providers cater specifically to high-risk drivers, including those with DUI or DWI convictions. While premiums may be higher than traditional insurance, these providers offer the coverage you need to legally drive.
   
   
4. Defensive Driving Courses:
   Completing a defensive driving course can sometimes result in lower insurance premiums, even for high-risk drivers. Check with potential insurance providers to see if they offer discounts for completing such courses.
   
   
5. Maintain a Clean Record:
   While it may take several years for a DUI or DWI conviction to no longer significantly impact your insurance rates, maintaining a clean driving record during this time is crucial. Avoid any further traffic violations or accidents.
   
   
6. Bundle Policies:
   If you have other insurance policies, such as home or renters insurance, consider bundling them with your auto insurance. Bundling can lead to discounts that may help offset higher premiums.
   
   
7. Choose a Suitable Coverage Level:
   Evaluate your insurance needs carefully. While it's essential to meet minimum legal requirements, you may also want to consider additional coverage options, such as comprehensive and collision, to provide more protection in case of accidents.
   
   
8. Be Honest with Insurers:
   When seeking quotes or applying for insurance, be honest about your DUI or DWI conviction. Failing to disclose this information can lead to policy cancellations or claims denials in the future.
   
   
9. Monitor Your Progress:
   As time passes and your DUI or DWI conviction becomes less recent, your insurance rates may gradually decrease. It's essential to monitor your progress and periodically re-evaluate your coverage options.

In conclusion, obtaining auto insurance after a DUI or DWI conviction may be challenging, but it's not impossible. By understanding state laws, filing necessary forms, shopping around for quotes, and maintaining a clean driving record, you can find coverage that meets both your legal requirements and your budget. Remember that honesty with insurers is crucial, and over time, your insurance rates may improve as your conviction becomes less recent.

At Family Auto Insurance Agency, we strive to provide our clients with affordable and comprehensive policies. We will always go all out to satisfy your demands. To learn more about how we can assist you, don't hesitate to contact us at (313) 285-9042 or CLICK HERE ​to request a free quote.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​