There is no official policy called “DUI insurance.” But, because many companies won’t insure a driver after a DUI, the phrase is commonly used to call attention to the incident when shopping for auto insurance. No worries! At Capital Insurance Service, you can likely still get insurance if you’ve had a DUI.
Depending on the state, a DUI may be referred to as a DWI (driving while intoxicated), OMVI (operating a motor vehicle impaired), or OVI.
How long does a DUI stay on your driving record?
You’re looking at three to five years in most states. In some states, a DUI will fall off after just three years like any other traffic violation. In some other states it will stay on your record for about 10 years.
Please note that a driving record is separate from a criminal record. A DUI may stay on your criminal record for life.
How does a DUI affect your insurance rate?
If you have a DUI violation, your rate will go up. Insurance companies may consider DUI drivers as riskier to insure or even refuse coverage.
We have several companies that will insure you with a DUI.
Your first DUI may increase your rate by 6%. (Price varies)
The amount of time passed since the DUI as well as your age and driving history will factor in to the amount of the increase. For example, if you’ve never had any accidents and speeding tickets, and your DUI is the only hit on your record, your rate likely won’t go up as much. It also just depends on how recent
Once the DUI violation no longer shows on your motor vehicle report, you should see a decrease in your car insurance rate.
If I’m in an accident while driving drunk, am I covered?
Yes. You’re covered up to the limits of your policy for any accident, regardless of fault or if you were under the influence of alcohol or drugs. That includes damage to your car or someone else’s property as well as their injuries.