DUI Insurance in Raleigh & Garner, NC
Driving while intoxicated (DWI) or driving under the influence (DUI) convictions can result in financial repercussions, including fines and increased auto insurance premiums.
If you are convicted of DUI or DWI in North Carolina, you may be required to provide proof of financial responsibility by filing an SR-22 form with the Department of Motor Vehicles (DMV). This form proves that your auto insurance policy meets the state’s minimum liability coverage requirements.
What Is DUI Insurance?
There isn’t a specific type of auto insurance for people with DUI convictions. What’s commonly referred to as DUI insurance is high-risk insurance. Auto insurance companies categorize drivers with multiple moving violations or serious traffic offenses like a DUI as high-risk drivers.
How Does a DUI Affect Your Insurance Rate?
Insurers charge higher premiums when drivers present a higher statistical risk of causing an accident. If you have several speeding tickets, are caught driving without insurance or have a DUI conviction, your insurer may classify you as a high-risk driver. As a result, you’ll pay more for auto insurance than a driver with no moving violations or serious traffic offenses.
Some insurance companies won’t provide coverage for high-risk drivers, so you may need to switch insurers after a DUI conviction. While your insurance rates may go up significantly after a DUI conviction, your rates depend on multiple factors. Speak to an agent if you have concerns about your new insurance rates after a DUI charge.
Your agent can help you shop for insurance coverage if you are considered a high-risk driver.
How Long Does a DUI Stay on Your Driving Record?
Insurance companies check a driver’s record before renewing or issuing a policy. A DUI conviction can affect North Carolina drivers’ insurance rates for up to ten years, depending on how the insurer treats serious traffic offenses.
Many insurers look back three to five years when determining auto insurance premiums. Your agent can help you understand how a past DUI conviction may affect your current and future auto insurance rates.
Contact Us Today
Don’t hesitate to get a quote on your personalized auto insurance policy right now! Contact us at our Raleigh office at (919) 878-7786 or our Garner office at (919) 661-1100 for a fast, free quote. You may also request an online quote. We can quote and issue your policy right over the phone and better yet, you do not have to leave your house or work to obtain coverage.