How can I find cheap insurance with a DUI?

I got a DUI five years ago, and my insurance rates have been high ever since. I understand why they went up, but I haven't made a mistake like that in years and I think it's unfair that I'm still paying for it. How can I find cheaper insurance?

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Answer provided by
Emily Maracle
Answered on Sep 10, 2021
“Good for you for improving your record!
With a DUI on your record, it can be difficult to find cheap car insurance, but there are some things you can do to get lower rates.
The best way to find cheaper insurance is to shop around with multiple companies. If you’d like help sifting through numerous companies, use the Jerry app. The Jerry app pulls quotes from up to 50 top insurance companies in seconds and delivers the best deals right to your phone.
As your DUI ages, it’s less likely to impact your rate. As it’s five years old, your rate should start to reduce over the next year or so. While DUIs typically stay on a record for ten years, car insurance companies often rate older incidents less severely.
While having a DUI on your record is a serious offense, there are insurance companies that will still offer lower rates. Some companies specialize in higher-risk policies and can offer lower rates due to this.
You can also look at the type of coverage on your policy and see if you can lower the coverage to save some money. If you are comfortable doing so, you can opt for liability car insurance instead of full coverage.
Apart from this, focus on maintaining a clean record. If you continue to get tickets or violations, you won’t see a decrease in your rates. To get cheap insurance, you’ll have to prove to insurance companies that you’re no longer a risk to insure—but if you keep your record clean, time will prove that for you!”

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