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Will USAA drop me for a DUI?
I was nailed with a DUI a few weeks ago, and I know it will get to my insurance company soon, so I’m worried. Will USAA drop me for having a DUI on my record, or will it just increase my premium?
Andrea Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You’re right to be worried. A
DUI
conviction is a big deal on a driving record and can have severe implications for car insurance premiums. Luckily, USAA
won’t drop you because of a DUI on your driving record, but they will likely file an SR-22
or FR-44 form with your state after a conviction. An SR-22 is a form that your car insurance provider sends to your state’s motor vehicle department certifying that you meet the
minimum car insurance requirements in your state
for liability coverage
. But a DUI doesn’t just affect which insurers will give you a policy—a
DUI affects your car insurance rates
too. On average, a driver with a DUI on their record will pay 185% more for car insurance with USAA than a driver with a
clean driving record
, and depending on your state, the conviction will stay on your record for anywhere from three to five years—or more! View full answer
- Gregory R.
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