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Got a DUI? Get Affordable Car Insurance with an SR-22

Promotional image of Freeway Insurance: Illustration shows a driver being pulled over by the police.

Getting Low-Cost DUI Insurance is Simple with Freeway

If you’ve been convicted of Driving Under the Influence, you may have found that purchasing car insurance has become harder than it was before your conviction. You may also have discovered that your car insurance has higher rates than before. As part of being labeled a higher-risk driver, you most likely will need to file an SR-22 certificate with your state.

At Freeway Insurance, we can help you navigate the twists and turns following a DUI conviction, including finding affordable “DUI insurance.” You made a mistake, but you still need to drive to work, pick up the kids and run errands. We can help you get back on the road legally.

What is DUI Insurance?

DUI insurance is not a thing. What people refer to as insurance for DUI is actually normal car insurance after a DUI and it’s the same insurance you had before you were convicted of DUI. It’s just that now your status has changed and you will be paying high-risk auto insurance rates.

Drivers with a DUI may find it more challenging to get insurance. That’s because some insurers don’t want to take a chance and provide car insurance for DUI offenders who they feel may be irresponsible when behind the wheel. All insurers decide who to insure and what to charge them based on many factors, one of the biggest being previous driving history.

How Much is Insurance with a DUI?

Your auto insurance rate could be anywhere from $1,800 to upwards of $4,000 annually after a DUI conviction. This is roughly an increase of $800 per year and up, depending on the state you live in, who you get your DWI insurance from and your own unique set of factors, such as age, type of vehicle and more.

For example, if you live in a state where the minimum state-required liability is already high, such as Florida ($1,101), and you add $800 (the low end for a DUI), you’ll be looking at $1,900 for basic liability insurance per year. If you live in a state where the minimum required coverage is low, such as Maine ($294), then you may be looking at about $1,100 per year.

Add in your unique factors, such as age (young – high, middle age – lower), the type of vehicle you drive (expensive sports car – high, Toyota sedan – lower) and your driving history, including your recent DUI (lots of tickets – high, clean record – lower) and you’ll arrive at a rough guesstimate of what you may pay for insurance after a DUI.

Not all insurance companies are equal. It pays to shop around and compare car insurance quotes. Or let Freeway do it for you – after all, that’s what we specialize in.

What is the Difference Between SR-22 Insurance and DUI Insurance?

Both SR-22 insurance and insurance for DUI are terms for high-risk auto insurance that costs more and follows some action on the part of the driver. You may receive a directive from your state to have an insurance company file an SR-22 certificate for you which proves you have the state-required liability insurance. People get this requirement for a variety of reasons, including DUI. If your state is one that uses the SR-22 (or FR-22) system and you get convicted of DUI, you’ll almost certainly need to have an insurance company file an SR-22 form for you.

How Long Does a DUI Stay on Your Insurance?

Typically, insurance companies will look back three to five years when determining a premium, but some may take into account serious infractions such as DUI for up to 10 years after the fact.

How Long Does a DUI Affect Your Insurance?

Years. A DUI mark on your record can stay for years, depending on the state’s laws where the violation occurred. Depending on the seriousness of the offense, a DUI may end up on both your driving record and your criminal record and require you to disclose this fact to future employers. First-time DUIs are often classified as misdemeanors, but if your BAC is significantly high, or you were cited for an offense like reckless driving, you could as well be charged with a felony. A DUI is a serious offense and can set a driver back significantly.

Police officer giving a driver inside his car a ticket

In most cases, a DUI is never removed from your record. “Taking a DUI off your record” doesn’t actually happen. What courts use is called the “look-back” period, and that period usually is 5-10 years. Some states have a lifetime look-back, like Texas. This means that prior DUI convictions within the look-back period can be considered in your ruling in subsequent cases.

Additionally, a driver will have points assigned to their record for getting a DUI in states that use a point system. This amount can range widely—for example, Arkansas will assign 14 points that remain for three years, while California gives 2 points and suspends your license when receiving 4 points in a year. Additional penalties may be applied beyond points, like in Texas, which puts a DUI on a driver’s record for life, with an annual surcharge of $1,000 for three years.

Also, thanks to the Driver License Compact, once you get a DUI in one state, driving records in all the other states will show your conviction.

How Do Insurance Companies Find Out About DUI or DWI?

Because you tell them. Here’s the thing: You don’t have to tell your insurance company that you were convicted of a DUI and the state isn’t going to inform them. But in most cases, your state is going to require that you have an SR-22 certificate on file and you cannot do that without an insurance company. You cannot file an SR-22 certificate yourself.

So, you have to tell them. And they may drop you and decide not to continue with you as a customer. Take heart, though. There are insurance companies that most likely will provide car insurance with DUI during this time.

At Freeway, we help all drivers get on the road legally with car insurance that meets their budget.

For your state penalties and other vital information, see the table below.

State Min. Jail Fines & Fees Administrative License Suspension/Revocation (1st/2nd/3rd Offense) Mandatory Alcohol Education and Treatment/Assessment Is Vehicle Confiscation Possible? Is an Ignition Interlock Device Possible?
AL None $600 to $2,100 90d/ 1y/ 3ys Both No No
AK Min. 72 hours $1500 90d/ 1y/ 3ys Both Yes Yes
AZ Min. 24 hours $250 base fine 90d/ 360d/ 360d Both Yes Yes
AR 24 hours to 1 year $150 to $1,000 120d/ 24m/ 30m Both Yes Yes
CA 4 days to 6 months $1,400 to $2,600 6m/ 2y/ 3y Both (Education if under 21) Yes Yes
CO Up to 1 year (DUI), or up to 180 days (DWAI) Up to $1,000 (DUI), or up to $500 (DWAI) 9m/ 1y/ 2y Both No Yes
CT 2 days up to 6 months $500 to $1,000 1y/ 3y/ permanent Both No 2nd offense
DE Max. 6 months $500 to $1,1500 12-24m/ 24-30/ 24-36m Both Yes Yes
DC Max 90 days $300 to $1,100 6m/ 2y/ 3ys No No Yes
FL 6 to 9 months $500 to $2,000 180 days/ 5y/ 10ys Both Yes Yes
GA 24 hours to 1 year $300 to $1,000 1y/ 3y/ 5y Both Yes 2nd offense
HI None $150 to $1,000 3m/ 1y/ 1-5y Both No Yes
ID Up to 6 months Up to $1,000 90d/ 1y/ 1-5y No No Yes
IL Up to 1 year Up to $2,500 1y/ 5y/ up to 10y Possible Yes 2nd offense
IN 60 days to 1 year $500 to $5,000 2 y/ 180d-2y/ 180d No Yes Yes
IA 48 hours up to 1 year $625 to $1,200 180d/ 2y/ 6y Education 2nd offense Yes
KS 48 hours min. $750 to $1,000 30d/ 1y/ 1y Either (not both) No 2nd offense
KY None $600 to $2,100 90d/ 1y/ 3ys Both Yes Yes
LA 2 days to 6 months $1,000 90d/ 1y/ 2y Treatment/Assessment 3rd offense 2nd offense
ME 30 days $500 90d/ 3y/ 6ys Both Yes Yes
MD Up to 1 year (DUI); up to 2 months (DWI) Up to $1,000 (DUI); up to $500 (DWI) 6m/ 1 y/ 18m Yes No Yes
MA Up to 30 months $500 to $5,000 90d/ 3y/ 6y Both Yes Yes
MI Up to 93 days From $100 to $500 6m/ 1y/ 1y Both 2nd offense 2nd offense
MN Up to 90 days $1000 90d/ 180d/ 1y Treatment/Assessment – 3rd offense 3rd offense Yes
MS Up to 48 hours $250 to $1,000 90d/ 2y/ 5y Both 3rd offense Yes
MO Up to 6 months Up to $500 30d/ 1y/ 1y Both in limited circumstances Yes
MT 2 days to 6 months $300 to $1,000 6m/ 1y/ 1y Both 3rd offense Yes
NE 7 to 60 days Up to $500 60d/ 1y/ 2-15y No No Yes
NV 2 days to 6 months $400 to $1,000 90d/ 1y/ 3y Both – in limited circumstances No Yes
NH None $500 to $1,200 6m/ 3y/ 5y-Indefinitely Both No Yes
NJ Up to 30 days $250 to $500 7m/ 2y/ 10y Both No Yes
NM Up to 90 days Up to $500 1y/ 2y/ 3y Both No 2nd offense
NY None $500 to $1,000 6m 1y/ 6y Both 2nd offense Yes
NC 24 hours (for level 5 offender) (however, if 3 aggravated factors are present — Level 1A — minimum of 12 months) $200 (for level 5 offender) 60d-1y/ 1-4y/ 1yr-Indefinitely Both – in limited circumstances 4th offense Yes
ND None $500 to $750 91d/ 1y/ 2y Treatment/Assessment 2nd offense Yes
OH 3 days to 6 months $250 to $1,000 6m/ 1-5y/ 1-10y Treatment/Assessment – 3rd off. 4th offense Yes
OK 5 days to 1 year Up to $1,000 30d/ 6m/ 1y Both – in limited circumstances in limited circumstances Yes
OR 2 days or 80 hours community services $1,000 to $6,250 1y/ 3y/ Indefinitely Both Yes Yes
PA None $300 Up to 1y/ 1y/ 1y Both – 2nd offense Yes 2nd offense
RI Up to 1 year $100 to $500 2-18m/ 1-2y/ 2y Both 3rd offense Yes
SC 48 hours to 90 days $400 to $1,000 6m/ 1y/ 2y Both – in limited circumstances 4th offense Yes
SD Up to 1 year $1,000 30d-1 yr/ 180 days-1yr/ 1y or more No No No
TN 48 hours up to 11 months $350 to $1,500 1y/ 2y/ 3-10y Both – in limited circumstances 2nd offense Yes
TX 3 to 180 days Up to $2,000 90d-1 yr/ 180d/ 180d-2yrs No 3rd offense in limited circumstances
UT 48 hours min. $700 min. 120d/ 2y/ 2yr Both No Yes
VT Up to 2 years Up to $750 90d/ 18m/ permanent Education – in limited circumstances 3rd offense No
VA Min. 5 days Min. $250 1y/ 3y/ permanent Both Yes Yes
WA 24 hours to 1 year $865.50 to $5,000 90d/ 2y/ 3y Both 2nd offense Yes
WV Up to 6 months $100 to $1,000 15-45d/ 1y/ 1y Both – in limited circumstances No Yes
WI None $150 to $300 6m/ 1y/ 2y Both – in limited circumstances 3rd offense Yes
WY Up to 6 months Up to $750 90d/ 1y/ 3y Treatment/Assessment – 3rd offense No Yes

How Long do Points and DUI stay on Your Record?

Some states use a point system to keep track of bad behavior on the road and every state has a different timeline for how long points will stay on your record and how many points each infraction will cost. In some states, a conviction for DUI will be on your driving record for life. In some states, it may remain on your record forever, but lose it’s strength over time.

State Record Lifetime Points Points Lifetime
Alabama 5 years 6 points 2 years
Alaska For life 10 points 2 points off every 2 years
Arizona 5 years 8 points 3 years
Arkansas 5 years 14 points 3 years
California 10 years 2 points 13 years
Colorado 10 years 8 points 2 years
Connecticut 10 years 3 points 2 years
Delaware 5 years Extra penalties N/A
Florida 75 years Extra penalties 3 years
Georgia 10 years Extra penalties 2 years
Hawaii 5 years No point system N/A
Idaho For life Extra penalties 3 years
Illinois For life No point system N/A
Indiana For life 8 points 2 years
Iowa 12 years No point system N/A
Kansas For life No point system N/A
Kentucky 5 years Extra penalties 2 years
Louisiana 10 years No point system N/A
Maine For life Extra penalties 1 year
Maryland 5 years 12 points 3 years
Massachusetts 10 years 5 points 6 years
Michigan 7 years 6 points 2 years
Minnesota 10 years No point system N/A
Mississippi 5 years No point system N/A
Missouri 10 years 8 points 1.5 years
Montana 5 years 10 points 3 years
Nebraska 12 years 6 points 2 years
Nevada 7 years Extra penalties 1 year
New Hampshire 10 years 6 points 3 years
New Jersey 10 years Extra penalties N/A
New Mexico 55 years Extra penalties 1 year
New York 15 years Extra penalties 1.5 years
North Carolina 7 years Extra penalties 3 years
North Dakota 7 years Extra penalties 3 years
Ohio For life 6 points 3 years
Oklahoma 10 years Extra penalties 3 years
Oregon For life No point system N/A
Pennsylvania 10 years Extra penalties 3 points off per year
Rhode Island 5 years No point system N/A
South Carolina 10 years Extra penalties 2 years
South Dakota 10 years 10 points Varies
Tennessee For life Extra penalties 2 years
Texas For life 2 points 3 years
Utah 10 years Extra penalties 2 years
Vermont For life Extra penalties 2 years
Virginia 11 years Extra penalties 2 years
Washington 15 years No point system N/A
West Virginia 10 years Extra penalties 2 years
Wisconsin 10 years 6 points 5 years
Wyoming 10 years No point system N/A

Does Insurance Cover DUI Accidents?

Yes. In most cases, your car insurance will pay for eligible claims up to your limits and after your deductible after an accident, even if you were driving drunk when you caused the wreck. Some insurance policies specifically exclude an event caused by DUI – so be sure you understand your policy limits.

Get a Custom DUI Insurance Quote Today!

Having a DUI does not mean that you can’t get back on the road with great and affordable coverage. Freeway is here to help you start fresh. Get a fast and free DUI insurance quote, visit us at an office near you, or call us at 800-777-5620 for a quote.

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