If you have ever been arrested for a DWI or driving while intoxicated, you will probably find it much more difficult to obtain auto insurance. The majority of the leading insurance companies in the United States will deny coverage to applicants who have an imminent or recent charge of DWI. The good news is that certain insurance companies will insure you even if you have been convicted of a DWI. It may take longer to find such a company because DWI auto insurance is classified as high risk insurance. That’s why so many insurance providers don’t want to issue insurance coverage to anyone who has a DWI on their record.
Filing an SR-22
If you are trying to obtain auto insurance with a DWI on your record, you may have to file what is called an SR-22 insurance certificate. This form certifies that you have auto insurance with a DWI on your driving record. This form is only required for any drivers who have actually been convicted of driving while intoxicated.
DWI Auto Insurance Rates
The truth is that the cost of DWI auto insurance can be very high. You will pay much more to obtain this type of insurance for the amount of coverage you will receive because of the high risk associated with it. If you have a DWI conviction, you may have to wait many years before your auto insurance rates are finally lowered. You should look for a non-standard high risk insurer if you are trying to find auto insurance with a DWI. Many of these insurance providers will grant you insurance coverage. The downside is that their rates may be two, three or even four times higher than the standard. The bottom line is that DWI car insurance is available if you spend a little time to find an insurance company willing to cover you.