How to Manage SR22 Insurance Costs

If you have been arrested for driving under the influence of alcohol, you will have to provide proof of SR22 insurance to regain your privilege to drive. First, it is important to note different states have different drunk driving terms. However, whether you are accused of DWI, DUI, OWI, or OUI, you will face similar penalties on your driver's license. These penalties are set at the state level. In recent years, most states have adopted similar policies.

Drivers License Suspension

Each state has a separate policy for how and when your license is suspended. Most states will not require a drunken driving conviction to do so, though, they will suspend your license after the arrest. Your local department of motor vehicles will receive notice. You will typically have a short period of time to attend a DMV hearing to attempt to prevent the suspension. As long as the arrest is legal, you will face a suspension in most states. An alcohol-related arrest will remain on your license record, or motor vehicle report, for a period of time determined by the state. In that period of time, you will have increased insurance costs. Your insurance company can check your MVR a limited amount of times each year. However, they will check, and you cannot easily hide the offense from an insurance company.

Providing Proof of Insurance

You will have to complete any number of penalties to have your license reinstated. One of those tasks you must complete is providing proof of insurance in the form of an SR22 form. This must be presented to the DMV to show you can still get auto insurance, which may be hard for some drivers after a drunken driving arrest. Some insurers will not even provide an SR22, which means you will have to go elsewhere in order to be insured. In any case, it will be very expensive to maintain the insurance. A drunken driving charge is already expensive to resolve, and this only adds to the stress.

Keeping Costs Down

  • First, notify an attorney the moment you are arrested. This will be your best chance at keeping your license instead of getting a suspension. Even if your license has been suspended, your lawyer will be your advocate through the entire process. Legal fees are expensive, but they will most often pay for themselves in the money you will save by reducing your fines and other penalties associated with a drunken driving arrest.
  • Explore options to avoid a conviction. Even if you are technically guilty of drunken driving, there may be options for you to avoid a conviction if this is your first arrest. You may have to use an ignition interlock device on your car, perform community service or attend alcohol rehabilitation. Ultimately, though, it is better to not have the conviction on your driving record.
  • Avoid any additional arrest. If you are arrested again for drunken driving you may not be able to find car insurance. Avoiding all traffic violations is the safest way to keep your insurance and reduce the cost over time.
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