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How a DUI Affects Your Georgia Auto Insurance

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If you have been convicted of a DUI (Driving Under the Influence) offense, you can expect to pay a lot more for car insurance coverage. This type of notation on your record puts you in a higher risk category for car insurance purposes, since the company will look at your past behavior as an indicator of how you are likely to behave in the future.

You may even have your car insurance cancelled outright because of the conviction. Other insurance companies will continue to provide coverage but will refuse to renew the policy as of its anniversary date.

Before your driver’s license is reissued, you will need to obtain an SR22 form. This is a document that is forwarded to the state Department of Motor Vehicles (DMV) confirming that you have at least the minimum level of liability coverage in place. The insurance company that issues the policy is required to notify the DMV if it is cancelled. The SR22 must be filed annually for at least three years after the DUI conviction.

Not all Georgia auto insurance companies will issue an SR22, and if your insurer will not do so, you may have to start shopping around for coverage. Even a higher risk driver can get better rates for Georgia car insurance by getting quotes from several insurance companies before making a decision.

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