The Impact of DUI on Car Insurance: Knowing the Consequences

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Driving under the influence (DUI) is a serious offense with far-reaching consequences. Apart from legal penalties and potential harm to oneself and others, a DUI conviction can significantly affect various aspects of an individual\’s life. One area where the impact is particularly pronounced is car insurance. In this blog post, we will explore how a DUI conviction can affect car insurance rates, coverage, and eligibility. By shedding light on these important considerations, we aim to help you understand the consequences of a DUI and make informed decisions.

Higher Insurance Premiums

Once convicted of a DUI, one of the immediate effects is a substantial increase in car insurance premiums. Insurance companies consider DUI offenders as high-risk drivers, leading to a significant spike in the cost of coverage. Insurers use various factors to determine premiums, such as age, driving record, and location. However, a DUI conviction carries significant weight in their risk assessment process, resulting in higher rates.

Mandatory SR-22 Requirement

In many jurisdictions, a DUI conviction triggers a mandatory requirement called an SR-22 filing. An SR-22 is a document that verifies a driver\’s insurance coverage and is filed by the insurance company with the state\’s Department of Motor Vehicles (DMV). This requirement is typically in place for a specific period, usually several years. The SR-22 filing comes with additional fees and must be maintained without interruption. Failure to comply can lead to the suspension of driving privileges.

Limited Coverage Options

Following a DUI conviction, finding car insurance can become challenging. Many mainstream insurance companies may refuse to provide coverage to individuals with DUI records due to the perceived risk. This limited availability of options can result in higher costs and the need to seek coverage from specialized providers that cater to high-risk drivers. These specialized insurers often offer more expensive policies with stricter terms and conditions.

Ignition Interlock Devices (IIDs)

In some cases, a DUI conviction may require the installation of an ignition interlock device (IID) in the offender\’s vehicle. An IID is a breathalyzer-like device connected to the vehicle\’s ignition system. It requires the driver to provide a breath sample to confirm sobriety before starting the car. This additional requirement aims to prevent repeat offenses and ensure public safety. The cost of installing and maintaining an IID is typically the responsibility of the DUI offender.

Long-Term Consequences

A DUI conviction can have long-lasting effects on car insurance rates. Even after the mandated SR-22 period expires, insurance companies may continue to view the driver as high-risk, resulting in continued elevated premiums. It may take several years of responsible driving and a clean record to gradually reduce the impact of a DUI on insurance rates. Thus, the consequences of a DUI extend beyond the immediate aftermath and can affect an individual\’s car insurance for an extended period.


Driving under the influence carries severe consequences that extend beyond legal penalties. When it comes to car insurance, a DUI conviction can lead to higher premiums, limited coverage options, and the mandatory requirement of an SR-22 filing. Additionally, the installation of ignition interlock devices and the long-term impact on insurance rates add further complexity. Understanding these consequences is crucial for individuals charged with a DUI to make informed decisions and take steps towards rebuilding their driving record. If you find yourself in such a situation, consulting with an experienced DUI defense attorney can help you navigate the legal process and potentially mitigate the impact on your car insurance.

Remember, safe and responsible driving is paramount. Never drink and drive, and always prioritize the safety of yourself and others on the road.

If you or someone you know is facing a DUI ticket and needs professional assistance, don\’t hesitate to reach out to our experienced law firm. Our team is well-versed in DUI defense strategies and can provide the guidance you need to navigate the legal process effectively. We understand the complexities and potential consequences associated with DUI convictions, including the impact on car insurance. Contact us today for a consultation and let us help you build a strong defense. Your future is important, and we are here to support you every step of the way.

You can find useful information about Georgia DUI schools here.

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