How long does a DUI affect your insurance in Georgia?

How long does a DUI affect your insurance in Georgia?

A DUI is a serious offense that can have long-lasting consequences on various aspects of an individual's life, including their auto insurance rates. In Georgia, like in other states, a DUI conviction can significantly impact your insurance premiums for a specific duration.

Insurance Rate Increase

Following a DUI conviction in Georgia, it is almost certain that you will experience a substantial increase in your insurance rates. Insurance companies consider DUIs a major red flag, as they indicate risky behavior and a higher likelihood of accidents. This increase is primarily due to the fact that insurance companies view DUI offenders as a higher risk to insure.

Duration of Increased Rates

In Georgia, a DUI conviction typically affects your insurance rates for a period of three to five years. During this time, you can expect to pay considerably higher premiums compared to what you paid prior to the conviction.

This duration of increased rates may vary based on several factors, including the severity of the offense, your previous driving record, and whether or not you have had multiple DUI convictions. Additionally, certain insurance companies may have their own policies regarding DUI offenses, which can further influence the length of time your rates are affected.

Safety Responsibility Suspension

Aside from the increase in insurance rates, a DUI conviction in Georgia also results in a license suspension as part of the Safety Responsibility Act. This suspension can range from a minimum of 120 days to one year for first-time offenders, depending on the circumstances.

During the license suspension period, you will likely be required to file an SR-22 form with the Georgia Department of Driver Services (DDS). This is a certificate of financial responsibility that proves you have obtained the minimum liability insurance required by Georgia law. The filing of an SR-22 form is typically necessary for three years following a DUI conviction, and failure to maintain it can result in additional penalties.

Insurance Companies and DUI Convictions

It's important to note that different insurance companies may have varying policies and guidelines when it comes to dealing with DUI convictions. Some companies may choose to cancel your policy altogether, while others might simply increase your rates. However, it is generally more common for insurers to increase premiums rather than cancel policies, as they want to retain customers while mitigating their risk exposure.

Final Thoughts

In conclusion, a DUI conviction in Georgia can have a significant impact on your auto insurance rates. In most cases, this impact will be felt for a duration of three to five years, during which you can expect to pay higher premiums. However, it's important to remember that each case is unique, and the exact duration and consequences of a DUI on your insurance rates may vary depending on various factors. If you find yourself facing a DUI charge, it's advisable to consult with an experienced attorney who can guide you through the legal process and provide specific advice tailored to your situation.

Frequently Asked Questions

In Georgia, a DUI can affect your insurance rates for up to five years.

Yes, most insurance companies will find out about your DUI offense. They regularly check driving records and may increase your rates or non-renew your policy.

The increase in insurance rates after a DUI in Georgia can vary depending on several factors, including your previous driving record, the severity of the offense, and the insurance company. However, it is common to see a significant increase of 50% or more in premiums.

While it may be challenging, it is still possible to find affordable car insurance after a DUI in Georgia. Shopping around and comparing quotes from different insurance companies can help you find the best rates.

No, you cannot remove a DUI offense from your insurance record in Georgia. Once it is on your driving history, it will remain there for a certain period of time.