If you have been caught and convicted for driving under the influence (DUI) you may find it difficult to get insurance for your car again, even after your license is reinstated. Most auto insurance companies won't provide policies to people convicted of this kind of charge, and those who do usually are way too expensive for the average driver to afford. So what can you do to get car insurance after a DUI conviction if you don't have thousands of dollars to spend on auto insurance?
SR22 insurance is a vehicle liability insurance document from a car insurance company verifying that the driver has a policy above a given state's minimum liability limits. It's used by some Department of Motor Vehicles (DMV) offices as proof of that coverage, and it's also used for drivers who have had an uninsured car accident. In some cases it's actually required and not optional, for the three years after driving without insurance and up to five years for a DUI conviction.
SR22 is a high risk policy that is not offered by all car insurance companies and in some cases only to policyholders. It does, however, open the door to getting DUI auto insurance cheaper, as the SR22 signals the driver as employable. You may be required to pay several months to a year in advance, as it's a high risk policy, but at least you'll be on your way to getting your driving license reinstated after your DUI conviction. If it's your first time being caught driving while intoxicated this process will be significantly easier than if you accumulate several penalties.
The requirement to keep a high risk policy usually expires after several years, depending on the charge that originated it, and provided that you don't have any more charges and keep a good safety record.
Since SR22 insurance can be quite a hit on your finances, it's important to shop around and look for quotes both online and in person, as not all insurance companies will offer it at affordable prices.
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