INSURANCE

Resulting insurance rates are one of the most overlooked areas of a DUI conviction.

After a DUI conviction your current auto insurance provider can take a number of actions, which vary from state to state. Chances are your insurer will greatly increase your premiums, but they may also decline to renew or cancel your policy. The latter becomes even more probable if you have a poor history, or prior strikes, with your insurance provider.

In Washington, if your license is revoked due to a DUI arrest, you will be required to purchase high-risk (SR-22) insurance for 3 years after license reinstatement.

High-risk is specialized insurance directed towards insuring those with poor driving and drunk driving histories. This nonstandard policy comes with very high premiums.

If private high-risk insurance is not available to you because of your driving history, there is normally a state created high-risk insurance option. An option of last resort, these insurance rates are some of the highest a driver can pay.

Note that a DUI conviction can have other unforseen insurance effects, such as higher rates on medical and life insurance.

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