DUI in Alabama

Reader’s Question:

How bad is it gonna be the effect on my auto insurance here in Alabama if I get convicted of drunk driving or DUI?

Harvir

Dothan, AL

DUI can greatly affect your auto insurance in Alabama as your rates can go up by a considerable amount. DUI Law and the ratings systems of auto insurance companies in your state may be different from other states but if you get convicted for DUI, your auto insurance payment could double. Also, you can only get your driver’s license back after your DUI conviction if your auto insurance provider has presented the Department of Motor Vehicles (DMV) that you have the required SR22 form.

As already mentioned, DUI laws vary from one state to another, but in general, a DUI conviction would have an effect on your auto insurance for at least three years. However, if the DUI Law in your state lets an auto insurance provider to have a longer ‘look back’ period, it could have an effect on your auto insurance premiums for five or even seven years.

Your auto insurance rates will only be affected if you get convicted for DUI since you will already be considered as higher risk by auto insurance companies. Some insurers may not even cover you if you already have a DUI conviction on your record. Aside from the higher risk that you have to them, some of them do not offer SR22 so you have to switch to an insurer that offers this.

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