How will getting a DUI affect my auto insurance rates?
Driving under the influence (or DUI) is a serious offense. If you are convicted of a DUI, more often than not, your insurance company will find out about the DUI and will deal with you in one of two ways. Typically, your rates will go up, sometimes substantially, or, the company will simply cancel your policy. If your insurance company raises your premiums but keeps you as an insured, you will likely be labeled a high-risk driver. Your policy may be non-renewed or cancelled simply because the company can no longer provide insurance for you. In some states, insurers cant cut you off in the middle of the policy term, so be sure to check on the laws where you live.
Another less-likely scenario is that your insurance company doesnt find out about your DUI because, for whatever reason, it slips through the cracks of red tape. Occasionally, your insurer will not raise your rates or cancel you if youve been a long time insured with no other blemishes on your record. But this is also pretty unlikely.
If your policy is cancelled or non-renewed, you will still be able to find insurance. Your rates will most certainly be higher, particularly because a DUI violation remains on your driving record for anywhere from five years to the rest of your life, depending on the state youre in. To find new insurance coverage after a DUI, its probably best to go through an independent agent who works with many different insurance companies.
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive. IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.