DUI Insurance

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Can you get auto insurance after a DUI?

Yes — although some insurance companies won’t cover drivers with one or more DUI/DWI offenses, considering them high-risk, there are still reliable options available.

At Eagle Way, we specialize in helping drivers with challenging driving histories secure the coverage they need. We can also file an SR-22 or FR-44 with your state and create a plan that fits your budget.

What is DUI insurance?

After a conviction for driving under the influence (DUI) or driving while impaired (DWI), many drivers search for “DUI insurance.” However, there is no special policy called DUI insurance.

It’s simply a standard auto insurance policy, often paired with an SR-22 or FR-44 filing to prove you meet your state’s minimum insurance requirements for a set period.

Does a DUI/DWI affect insurance rates?

Yes. A DUI/DWI typically leads to higher insurance premiums for at least three years. The exact increase depends on:

  • Your insurance company’s rating system
  • Your overall driving record
  • State laws and personal factors

At Eagle Way, we work to keep coverage affordable with multiple discounts and flexible payment options, even after a DUI/DWI.

State-specific DUI/DWI laws

Most states treat driving with a blood alcohol concentration (BAC) of 0.08% or higher as a criminal offense. Beyond that, penalties vary significantly. For example:

  • California: License suspension of four months for a first offense
  • Virginia: Automatic seven-day suspension

Each state has its own rules regarding:

  • Fines
  • Driver’s license suspension length
  • Minimum jail time
  • Mandatory alcohol education or treatment
  • Possible vehicle confiscation
  • Ignition interlock device requirements

In many states, you’ll also need an SR-22 or FR-44 filing to reinstate your driving privileges. We can take care of that for you.

DUI Insurance Frequently Asked Questions

How long does a DUI stay on your driving record?

This varies by state. While DUI/DWI convictions often remain on your criminal record permanently, they stay on your driving record for anywhere from five years to a lifetime. For example:

  • Mississippi: 5 years
  • California: 10 years
  • Florida: 75 years
  • Texas: Permanently

The good news?
A DUI/DWI does not affect your insurance rates forever. Most insurers look back only 3–5 years, although some may check further. Over time, the impact on your premiums decreases with safe driving.

Am I insured if I get into an accident while under the influence?

Auto insurance generally covers accidents caused by drunk driving, depending on:

  • Your policy details
  • Who was at fault
  • Your state’s laws

However, after a DUI/DWI, some insurers may cancel or choose not to renew your policy. To avoid a lapse in coverage, ensure you have a new policy in place if that happens.

What happens if I get a second or third DUI?

Repeat DUI/DWI offenses come with much more serious consequences, including:

  • Higher fines
  • Longer jail sentences
  • Extended license suspensions
  • Mandatory treatment programs

Your insurance premiums may rise significantly, but — as with a first offense — they will gradually decrease after several years of safe driving.

Do I have to report my DUI/DWI to my insurer?

Legally, you are not required to notify your insurer immediately. However:

  • Your insurance company will find out during renewal or policy review
  • They will be notified if you file an SR-22 or FR-44
  • When applying for a new policy, you’ll be asked about DUI/DWI history

It’s best to report the conviction honestly. Failure to do so may result in your policy being canceled for misrepresentation.