While penalties vary across the Nation for drivers convicted of Driving Under the Influence (DUI), one thing that is certain is that convicted drivers will most surely see their insurance premiums rise dramatically, doubling even tripling sometimes.
And because those drivers are now considered “high-risk” by insurers, those high insurance premiums are almost guaranteed to follow convicted drivers for up to three years.
Three years is the average amount of time mandated by some states for high risk drivers to maintain an SR-22 with their state’s Department of Motor Vehicles (DMV).
Also called a Certificate of Financial Responsibility (CFR), the SR-22 is provided to the DMV by the driver’s insurer proving to the state that the driver has car insurance. Some states require the SR-22 to be filed with the state first before a convicted driver’s driving privileges are re-instated.
Convicted drivers moving to a non-SR-22 state should contact their old DMV for guidance regarding this requirement.
Additionally, convicted DUI drivers may also be dropped from their current insurance carrier if they don’t cover “high risk” drivers or deal in SR-22 policies.
However it’s illegal in some states to outright cancel a driver’s policy even if they were convicted of DUI so it would behoove drivers to check the laws in their state.
Avoiding a DUI conviction altogether is the best way to avoid seeing a tripling of premiums and cheaper also.