After a second DUI, how can I find car insurance coverage?

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Asked November 10, 2014

1 Answer


After a second DUI, finding car insurance coverage can be difficult and expensive. Most insurance companies will consider you a high-risk driver and may either refuse to cover you or charge you much higher rates. Here are some options you can consider:

  • Shop around: Not all insurance companies treat high-risk drivers the same way. Some may be more lenient than others. Shop around and compare quotes from multiple insurance providers to find the best coverage and rates.
  • Look for specialty insurance providers: There are specialty insurance providers that offer coverage specifically for high-risk drivers. These providers may have higher rates, but they may be more willing to cover you after a DUI
  • Complete a driver safety course: Some insurance companies may offer discounts for completing a driver safety course. This can help lower your insurance rates and demonstrate to insurance providers that you are taking steps to become a safer driver.
  • Consider a non-owner policy: If you do not own a vehicle but still need to drive, you can consider getting a non-owner policy. This type of policy provides liability coverage when you are driving someone else's vehicle.
It's important to note that some states require drivers to have proof of insurance in order to have their license reinstated after a DUI. It's crucial to understand your state's requirements and obtain the necessary coverage to comply with the law. Finally, it's important to be honest with your insurance provider about your DUI. Providing false information could result in a denial of coverage or cancellation of your policy, which could make it even harder to find coverage in the future.

Answered November 10, 2014 by Anonymous

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