DUI car insurance has different requirements, depending on where a policyholder lives, in order to meet state compliance. Only qualified applicants will be issued a suitable policy.
Form SR22 is used in most states to monitor insurance compliance for drivers with a DUI conviction. Florida and Virginia use Form FR44 for their drivers.
A qualified policy must remain in effect for a valid license to continue. Some companies discourage applicants while others compete for their business. Because of FR44 requirements, policies in Florida and Virginia have become profitable business for companies as they compete for new low rates.
Each state legislature sets the requirements that must be met for a driver convicted of DUI. Bodily injury liability (BIL) with increased limits is common. In Florida, FR44 requires $300,000 BIL limits, the largest increase of any state.
Virginia, the only other state to adopt this Form, mandates a $100,000 BIL. A Texas policy requires $60,000 BIL and California DUI $30,000, and so on. Most states have a compliance period of three years (Texas is two) to maintain a valid license. Additional administrative and signature requirements vary by state for applicant and policy.
How much does DUI insurance cost? This is a question every convicted driver asks and is best answered by shopping around and getting quotes from a variety of companies.
Keep in mind that a policy is basically like any other, except for some additional requirements and increased limits. Due to increased costs and more varied requirements, a policy has more price fluctuations between companies than a non-DUI policy. Keep in mind that a qualified policy can be a car insurance policy, motorcycle policy or an operator’s policy where there is no vehicle to insure. Florida no longer allows one filing for a motorcycle policy.
A drunk driver is a bad risk for any insurance company, however, most drivers who have experienced the consequences of a conviction avoid driving while intoxicated. Also, due to their previous experience, the awareness of convicted drivers is extremely high and they drive very carefully when consuming only a small amount of alcohol.
Conscientious drivers are a good risk for companies and reasonable rates are available for any risk group that turns out to be profitable. Because the FR44 form in Florida and Virginia, unlike the SR22 form in other states, separates DUI drivers from all other high-risk drivers, it is easy for companies to determine that this specific group has low payouts. claims making it a profitable business.
A qualified DUI insurance policy for a convicted driver is generally the last step before driving privileges are restored.
A person convicted of driving under the influence will need a policy with SR22 (FR44 in Florida and Virginia) to maintain a valid license.
Requirements for these types of policies vary considerably between states and between companies. A good shopping strategy will keep rates lower, especially when companies are competing for this type of business like in Florida and Virginia.