You’ve just received a DUI (Driving Under the Influence), and now are concerned about your car insurance costs, in addition to everything else. If you are still going to be able to keep your driving privileges, you will need car insurance.  Yes, you can still get auto insurance with a DUI – it is going to be pricey.

DUI insurance cost
The cost can be expensive, ranging from an average premium increase of 64% in IL, to 76% in WI.  The increase in insurance cost is largely due to the increase in risk you pose. That goes not only for DUIs, but other violations and infractions that place drivers in the high-risk auto insurance category.

Non-owner SR-22 Insurance
Non-owner SR-22 insurance is a great way to get cheap insurance rates if you have a DUI, need to file an SR-22, and don’t own a vehicle. The reduction in price is because you don’t have “regular access to a car” and you will only carry liability insurance coverage. Liability coverage is cheap because it only covers the injuries or property damage you cause in an at-fault accident, not the vehicle you are driving.

Also, a non-owners policy is a great way to keep continuous insurance coverage, which is an important factor in receiving lower rates in the future.

The SR-22 is a certificate of financial responsibility that is required by the states when you reinstate your driver’s license after a DUI. This certificate is not limited to just alcohol-related driving offenses. It may be require for DWIs and OUIs. Your insurance company must file these certificates with the DMV on your behalf.  *DUI (Driving Under the Influence), DWI (Driving While Intoxicated), OUI (Operating Under the Influence)

How long does a DUI affect insurance?
Insurance company guidelines, governed by state laws, dictate how long your rates will be affected by a DUI conviction. As with most minor or major convictions, a DUI will raise your car insurance rates for three years.

Oscar G. Castillo is an Independent Insurance Advisor, proud to service the greater Rockford area – including: Belvidere, Marengo, Loves Park, Machesney Park, Freeport, Rockton, Roscoe, South Beloit, and Beloit (Northern Illinois and Southern Wisconsin). Offering insurance quotes for: Home, Auto, SR-22, Renters, Life, and Small Business /Commercial Insurance.