A DUI conviction in Georgia comes with many consequences, and one of the most significant impacts is the effect on your auto insurance rates. In fact, after a DUI conviction, you can expect your insurance premiums to rise considerably. But how much of an increase are we talking about? What are the long-term implications of a DUI conviction on your insurance? This blog will break down the important factors, helping you understand what happens to your auto insurance and how you can minimize the damage.
BadAss Attorney
Best DUI Lawyers
DUI Defense Lawyers Association - President
10 Consecutive Years Selected to Super Lawyers
Best Lawyers In America
AV Prememinent
AVVO 10
AVVO Client's Choice
AVVO
Best Lawyers Best Law Firms
AVVO - Reviews
AVVO - Top Attorney
The Immediate Impact of a DUI on Insurance Rates 
When you are convicted of a DUI in Georgia, the first thing to expect is a substantial increase in your auto insurance premiums. Insurance companies consider DUI offenders to be high-risk drivers, which is why they tend to raise premiums for anyone convicted of driving under the influence.
In Georgia, the increase in your insurance rates can vary depending on several factors, but it is common to see a premium increase of anywhere from 30% to 50%. This increase is not temporary. In fact, your insurance premiums may stay high for years after the DUI conviction. The exact amount of the increase depends on the severity of your offense, your driving history, and the insurance company’s policies.
SR-22 Insurance Requirement in Georgia
One of the legal requirements that comes with a DUI conviction in Georgia is the need to obtain SR-22 insurance. It is important to note that an SR-22 is not actually a type of insurance. Rather, it is a certificate that verifies you are carrying the minimum required auto insurance for high-risk drivers.
In Georgia, after a DUI conviction, you will be required to carry SR-22 insurance for at least three years. This form must be filed by your insurance company, and if you fail to maintain your SR-22 for the required period, your driver’s license can be suspended. Keep in mind that this requirement applies even if you do not own a car, as it is still necessary to maintain insurance coverage during the period of your license suspension.
Greg Willis has been successful at defending DUI cases (over 93.1% without a conviction)
He's the only lawyer in the State of Georgia to ever be recognized for all three of these accomplishments.
Received the Samurai Lawyer Award for having gone to jail for a total of 4 days in order to save his own client
Received the BadAss Lawyer Award for the biggest impact of all DUI lawyers in DUI defense in the country
Received the vote of Georgia Lawyers as a Superlawyer in DUI Law for 10 straight consecutive years
How Long Will Your Insurance Rates Stay High?
While a DUI conviction will lead to an increase in your auto insurance rates, the good news is that it is not permanent. Over time, your rates can decrease, especially if you maintain a clean driving record after the conviction.
Most insurance companies will eventually reduce your premiums after three to five years. However, this depends on the insurance provider and whether or not the DUI conviction is still visible on your driving record. Some insurers may offer a reduction in rates sooner, especially if you show that you have taken steps to improve your driving habits, such as attending defensive driving courses.
Even though the reduction in rates is possible, it may take a significant amount of time. For some, it could take up to five years for the premiums to stabilize and return to a normal rate. During this time, it is crucial to maintain a clean driving record. Any further violations could prolong the duration of high premiums and make it harder to lower your rates.
Shopping for Insurance After a DUI Conviction
While it may be difficult to find affordable insurance after a DUI conviction, it is not impossible. In fact, one of the best strategies for dealing with the increased insurance rates is to shop around and compare quotes from various insurance companies. Not all insurance providers view DUI convictions the same way, and some may offer better rates for high-risk drivers.
When comparing insurance quotes, make sure you provide accurate information about your driving history. Some insurance companies offer special policies designed specifically for drivers with DUIs, which may help lower the cost of your premiums.
Greg has truly mastered his craft. His preparation is second to none and his confidence helps reduce the nervousness and anxiety his clients face. He is a real life version of Harvey Specter and I highly recommend him.”
- Travis
Greg and his team are absolutely incredible. Greg explained everything to me in detail, as this is the first ever time I have been arrested. Regular updates throughout the process which allowed me to get on with everyday life. 200% I would recommend Greg and his team to anyone with a DUI case."
- James Hellens
Mr Willis is the best in the business. He knows the law inside and out. I was in a serious jam and Greg got my dui reduced to a reckless driving. This man will fight for you every step of the way."
- Anonymous
It is also important to consider your coverage options. If you are able to increase your deductible, you might be able to lower your premiums. However, make sure that the amount of coverage you choose is appropriate for your needs. Finding the right balance between cost and coverage is essential for minimizing your insurance expenses.
Lowering Your Rates Over Time
Even though your rates will likely increase after a DUI conviction, there are steps you can take to reduce your premiums over time.
Maintaining a clean driving record is one of the most important things you can do. After your DUI conviction, make sure to drive safely and avoid any further traffic violations. The longer you go without a violation, the more likely your insurer will be to reduce your rates.
Additionally, taking defensive driving courses can help lower your premiums. Many insurance companies offer discounts for drivers who complete these courses, as they demonstrate a commitment to safe driving. If you complete a defensive driving course, be sure to ask your insurer if they offer any discounts for doing so.
Related Videos
Choosing a Georgia DUI Attorney
Defenses and Strategies to Defend a DUI Charge
Another option for lowering your rates is to install anti-theft devices or safety features in your vehicle. Many insurance providers offer discounts for vehicles with these features, as they reduce the likelihood of accidents and theft. If you haven’t already, consider installing safety features such as airbags, anti-lock brakes, and theft prevention devices.
Lastly, some insurers offer discounts for paying your premium in full upfront. If you are able to do this, it may help lower your overall costs and reduce your premiums in the long run.
The Impact of a DUI on Commercial Drivers
If you are a commercial driver in Georgia, a DUI conviction can have even more severe consequences. Not only will your personal insurance rates increase, but a DUI can also affect your ability to drive commercially. A DUI conviction can result in a suspension or revocation of your commercial driver’s license (CDL), which can make it difficult or impossible to continue working as a commercial driver.
In Georgia, if you are convicted of a DUI while operating a commercial vehicle, the consequences are even more severe. Commercial drivers face stricter regulations and penalties, and a DUI conviction could result in a lengthy suspension or permanent disqualification from driving commercial vehicles.
If you rely on your CDL for work, it is essential to take the necessary steps to protect your livelihood after a DUI conviction. In some cases, a skilled DUI attorney may be able to help you minimize the impact on your CDL, but the consequences are still severe.
Featured Case Results
Protecting a Professional License After a DUI and Refusal of a Blood Test
Result: DUI Dismissed with No Jail Time and No Loss of License
Challenging Admissibility of a .19 BAC Blood Test and Field Sobriety Evaluation
Result: No Jail Time, No DUI on Record, No License Suspension
Consulting with an Experienced DUI Lawyer
If you are facing a DUI charge in Georgia, it is critical to consult with an experienced DUI defense attorney. A skilled lawyer can help you understand your options and work with you to build a strong defense. In some cases, a DUI attorney may be able to have your charges reduced or even dismissed, which can help minimize the long-term consequences on your insurance rates.
The Willis Law Firm offers free consultations to discuss your DUI case and help you navigate the legal process. Our team of experienced attorneys is here to help you understand the full scope of the penalties you may face, including the impact on your auto insurance.
A DUI conviction in Georgia can have a significant and lasting impact on your insurance rates. However, with the right steps, it is possible to lower your premiums over time and minimize the damage. By maintaining a clean driving record, taking defensive driving courses, and shopping around for the best insurance rates, you can reduce the financial burden of a DUI conviction.
If you are facing a DUI charge, contact the Willis Law Firm today for a free consultation. Our experienced attorneys can help guide you through the legal process and work to protect your future.