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June 29, 2024

Getting Car Insurance After a DUI

If you’ve been convicted of a DUI in Georgia, getting car insurance can be somewhat challenging, but it’s not impossible. Understanding the process and your options is crucial for getting back on the road legally and responsibly.

The Impact of a DUI on Car Insurance

A DUI conviction can significantly affect your car insurance rates and coverage options. Insurance companies typically view DUIs as high-risk behavior, which often leads to higher premiums or even difficulty obtaining coverage. car, man, vehicle, dui

In Georgia, a DUI stays on your driving record for ten years. During this time, you’ll likely face higher insurance premiums due to the increased risk you pose as a driver. Additionally, Georgia law requires all drivers to carry minimum liability insurance coverage to operate a vehicle legally on the roads.

Options for Getting Car Insurance After a DUI

Despite the challenges, options are still available for obtaining car insurance after a DUI in Georgia. If you’ve been convicted of a DUI, you’ll likely need to file an SR-22 form with the Georgia Department of Driver Services (DDS). This form serves as proof of financial responsibility and may be required by your insurance company before providing coverage.

Some insurance companies specialize in providing coverage to high-risk drivers, including those with DUI convictions. While premiums may be higher, these companies can offer the coverage you need to drive legally.

Our agents can help you shop around and compare rates from multiple insurers so you can find the most affordable coverage options.

Tips for Lowering Insurance Premiums

While insurance rates after a DUI may be higher, there are steps you can take to potentially lower your premiums, including the following:

  • Complete a DUI education or treatment program.
  • Maintain a clean driving record moving forward.
  • Drive a vehicle with safety features and a lower cost to insure.

Consider increasing your deductible to lower your premium but be prepared to pay more out of pocket in case of a claim.

Contact Us

While a DUI conviction can make obtaining car insurance more challenging and costly, it’s essential to comply with Georgia’s laws and requirements to drive legally. Contact King Insurance in Jonesboro, Georgia, to learn about your car insurance options after a DUI conviction and get personalized auto insurance quotes.

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.

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