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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.

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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.

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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.

SR22 Motorcycle Insurance and Certificate

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.

Insurance Coverage
Benefits That This DUI Insurance Coverage Offers
Bodily Injury LiabilityThis 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.
CollisionYou receive coverage for damage to the motorcycle in an accident with this option.
ComprehensiveWith 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 GapThis coverage kicks in to cover the remainder of a lease or loan when a total loss occurs.
Motorcycle EquipmentIf you have custom equipment for your motorcycles, such as extra chrome or saddlebags, this policy provides replacement or repair options.
Property Damage LiabilityThis basic coverage covers the damage you and your bike cause to another person's vehicle or property.
Uninsured/Underinsured MotoristIf 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.

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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.

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Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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