Having a DUI (Driving Under the Influence) on your record can significantly impact your ability to obtain auto insurance and can lead to higher premiums. However, many insurance companies, including Geico, do offer coverage to drivers with a DUI. At Rate Frog, we provide detailed information on how a DUI affects your insurance with Geico and the steps you can take to obtain coverage.
How Does a DUI Affect Your Insurance?
A DUI is considered a major traffic violation and can have several consequences for your auto insurance:
- Higher Premiums: Insurance rates typically increase significantly for drivers with a DUI due to the higher risk they present.
- Policy Restrictions: Some insurers may impose additional restrictions or coverage limitations.
- SR-22 Requirement: Many states require drivers with a DUI to file an SR-22 form, which is a certificate of financial responsibility that proves you have the minimum required insurance coverage.
Steps to Obtain Insurance with Geico After a DUI
1. Understand SR-22 Requirements
If your state requires an SR-22 filing after a DUI, Geico can assist with this process:
- SR-22 Filing: Geico will file the SR-22 form on your behalf with the state’s Department of Motor Vehicles (DMV).
- Additional Cost: There may be a small fee associated with the SR-22 filing, which is added to your insurance premium.
2. Get a Quote from Geico
You can obtain a quote from Geico even with a DUI on your record. Here’s how:
- Online: Visit the Geico website and use their online quote tool.
- Phone: Call Geico’s customer service at 1-800-861-8380.
- Local Agent: Speak with a local Geico agent to discuss your situation and get a personalized quote.
3. Provide Necessary Information
When obtaining a quote, you will need to provide detailed information about your DUI:
- DUI Details: Date of the DUI, circumstances, and any legal requirements such as SR-22.
- Driving History: Information about your overall driving history, including any other violations or accidents.
4. Review Coverage Options
Review the coverage options available to you. Geico offers various types of coverage, including:
- Liability Coverage: Required by law, covering bodily injury and property damage to others.
- Collision Coverage: Covers damage to your vehicle from a collision.
- Comprehensive Coverage: Covers non-collision-related damage to your vehicle, such as theft or vandalism.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who lacks sufficient insurance.
- Medical Payments Coverage: Covers medical expenses for you and your passengers.
5. Consider Additional Coverage
Given the higher risk associated with a DUI, it might be beneficial to consider additional coverages:
- Higher Liability Limits: To better protect your assets in case of an accident.
- Umbrella Policy: Provides additional liability coverage beyond the limits of your auto policy.
6. Understand the Impact on Premiums
Be prepared for higher premiums due to the DUI. The exact increase will depend on various factors, including:
- Severity of the DUI: The circumstances of the DUI (e.g., blood alcohol content, accidents, injuries).
- Overall Driving Record: Your driving history and any other violations or claims.
- State Regulations: Local laws and regulations can also impact the cost.
Tips for Managing Insurance with a DUI
1. Complete DUI Programs
- Rehabilitation Programs: Completing court-ordered or voluntary DUI programs can demonstrate a commitment to safer driving and may positively impact your insurance rates over time.
2. Maintain a Clean Driving Record
- Safe Driving: Avoid further violations or accidents to improve your driving record and potentially qualify for lower rates in the future.
3. Explore Discounts
- Available Discounts: Inquire about any discounts you may still qualify for, such as multi-policy discounts, vehicle safety features, or good driver discounts (after maintaining a clean record post-DUI).
4. Shop Around
- Compare Quotes: While Geico may offer competitive rates, it’s always a good idea to compare quotes from other insurers to ensure you’re getting the best deal.
5. Review and Adjust Coverage
- Policy Review: Regularly review your policy and adjust coverage as needed to ensure it meets your needs while remaining affordable.
Final Thoughts
Geico does offer insurance to drivers with a DUI on their record, but it will likely come with higher premiums and may require an SR-22 filing. By understanding the impact of a DUI on your insurance, maintaining a clean driving record, and exploring available discounts, you can manage your insurance costs effectively. At Rate Frog, we help you explore your insurance options and find the best policies to suit your needs. Visit our platform today to compare quotes and secure the right coverage for your peace of mind!