When a DUI is on your driving record, you can likely purchase motorcycle insurance without too much difficulty. The trick is to find the policy that meets your state’s regulations while staying within your budget.
Some states also require you to prove that you have insurance after a DUI.
Since a DUI conviction creates a new high-risk status, it’s not unusual for costs to rise by hundreds of dollars each month. You might need to file an SR-22 to regain your license and prove insurability.
It might also be called a Certificate of Financial Responsibility. It’s typically required for three to five years after a DUI conviction.
How Do I File for SR-22 Insurance in My State?
Riders who need SR-22 insurance receive notification from the state’s department of motor vehicles or a judge in a courtroom of this status.
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Most insurance companies file the certificate on your behalf. If your current provider doesn’t offer support for high-risk riders, it might be necessary to switch to a different insurer.
The coverage amount needed for your SR-22 insurance is highly variable. That decision is based on how much you ride, what you can afford, and what your state says is necessary for you to be operating on the road legally.
Here are some of the different options to consider when looking at SR-22 motorcycle insurance after a DUI.
|Bodily Injury Liability||This coverage is legally required in most states after a DUI. It covers the cost of injuries you cause to someone else during an incident or accident.|
|Collision||You receive coverage for damage to the motorcycle in an accident with this option.|
|Comprehensive||With this insurance, you have coverage for damage to your bike for causes other than a collision, ranging from vandalism to a falling object.|
|Loan or Lease Gap||This coverage kicks in to cover the remainder of a lease or loan when a total loss occurs.|
|Motorcycle Equipment||If you have custom equipment for your motorcycles, such as extra chrome or saddlebags, this policy provides replacement or repair options.|
|Property Damage Liability||This basic coverage covers the damage you and your bike cause to another person's vehicle or property.|
|Uninsured/Underinsured Motorist||If you are involved in an incident with another driver or rider with no or minimal insurance, this coverage pays for the damage caused.|
How to Save Money on DUI Motorcycle Insurance
Insurers typically have the right to raise policy costs for at least three years after a DUI conviction.
Although you can’t stop that increase, you can take a few steps to limit your costs.
Many riders ditch their extra coverage first. You might even eliminate comprehensive and collision to maintain simple liability.
Some insurers provide a discount if you complete a sober driver program.
You might invest in a breathalyzer, increase security, or switch to a less powerful motorcycle until the DUI comes off your record.
SR-22 insurance requires you to keep the policy current. If it lapses for any reason, you’ll start over at the beginning of your time.