There is no official policy called “DUI insurance”. In some states, a DUI will be suspended after just three years like any other traffic violation. In California, it will remain on your driving record for 10 years. It's possible to get car insurance with a suspended license, but the process can be more difficult.
Depending on the reason for the suspension, some insurers may not offer you coverage, especially if your driving record indicates that you're more prone to risky behavior or accidents. Your new insurer may also have to file an SR-22, a form that some states require to prove that you have insurance (some states require a similar form known as FR-4). Insurance companies consider a lack of car insurance coverage to be a red flag, as it is often associated with higher-risk drivers.) Searching for cheap car insurance quotes with several insurers is the best way to find lower rates. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
See NerdWallet's guide to state car insurance requirements for more details on the different parts of an auto policy in Maryland. Save when you bundle your home and auto insurance policies with new Progressive customers across the country who save by combining homes and cars, saving more than 20% on average. Request an auto insurance quote online or call 1-866-749-7436, and if you purchase a policy and need an SR-22, we'll immediately file it in your state. The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available.
Once the DUI violation stops showing up on your motor vehicle report, you'll see a decrease in your car insurance rate. Before you can reinstate your license, you'll often have to complete certain steps, such as paying outstanding fines, completing a defensive driving course, and presenting proof of car insurance. For more help finding car insurance in Maryland at the most competitive price, try NerdWallet's car insurance comparison tool. However, since many companies don't insure a driver after a DUI, the phrase is commonly used to draw attention to the incident when looking for car insurance.
When buying car insurance in Maryland, keep in mind that your state's minimum coverage requirements are, in fact, minimal coverage. The SR-22 is a form that your insurance company must file with your state's department or motor vehicle office to confirm that you have the amount of insurance required to drive legally. In many cases, you shouldn't have much difficulty finding car insurance after your license has been suspended or if your license has been reinstated, but it can be more difficult if you are required to file an SR-22, since many insurance companies don't offer to file the SR-22. By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than they did in their teens and 20s.