Can You Get Auto Insurance if You’ve Had a DUI? 

If you’ve recently had a DUI conviction, you may be unsure whether you can still get auto insurance or what changes you might face. At Mi Pueblo Supreme Insurance, we understand the challenges this situation can bring. Our team is ready to help you review your options and find coverage that meets your needs.

What Happens to Your Auto Insurance After a DUI?

A DUI conviction can have a significant impact on your car insurance. Insurers often consider drivers with a DUI to be high-risk, which may result in higher premiums or even nonrenewal of your policy. However, you are still eligible to purchase auto insurance. However, you are still eligible to purchase auto insurance; it just may look a little different than before.

Understanding SR-22 Requirements

After a DUI, you may be required to file an SR-22 form. This is not a type of insurance, but a certificate your insurer submits to verify that you carry the minimum required liability coverage. Not all insurance companies provide SR-22 filings, so it is important to work with an agency that understands this process.

What to Expect with Rates and Coverage

After a DUI, your auto insurance situation may change in several ways, such as:

• Higher premiums: Your insurance rates may increase significantly, as insurers can view you as a higher risk.
• Limited options: Some insurers may not offer coverage to drivers with a recent DUI, but some companies specialize in high-risk auto insurance.
• Coverage choices: You can still access standard coverages, such as liability, collision and comprehensive, although your options may be more limited.

How Our Team Can Help

We work with a range of carriers, including those that offer SR-22 filings and high-risk policies, so you can compare options and secure the right coverage. Contact Mi Pueblo Supreme Insurance today to learn more or get a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.