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With a DUI to your name, you probably can buy motorcycle insurance. However, your options may be limited to high-risk motorcycle insurers, and you may have to prove that you have insurance with your state. Because of your new high-risk status, expect to pay hundreds of dollars more per month for coverage.
Motorcycle insurance is required in most states and generally a good idea in the rest. But after your DUI, you may need to file an SR-22 to regain your full driver’s license. Also known as a Certificate of Financial Responsibility, the form confirms that you’re meeting the state’s insurance requirements.
You may be required to keep SR-22 insurance for three to five years, depending on your state. The biggest caution is to make sure you maintain SR-22 status. If you have a lapse in coverage, you’ll have to reapply for SR-22 insurance, and the timer starts over.
If you need an SR-22 to get behind the wheel, you’ll be notified by a judge in court or your state’s DMV. Your insurance company usually files the SR-22 on your behalf, so you may have to switch to an insurer that specializes in high-risk riders.
It depends on the insurer. Some carriers will refuse to cover you, while others will make their full suite of coverage available to you.
As for what coverage you should get, make this decision based on your budget, as well as how much and where you ride your motorcycle. Options to consider:
There’s no way to get around it: a DUI will bump up your premium for at least three years. You can expect your rates to increase anywhere from 10% to 100%, though it depends on the provider and where you live.
In some states, you’ll pay the inflated premium for as long as the DUI is on your driving record — which can be up to 10 years. For context, the average insurance increase for a DUI is over $1,200 a year. That puts the average cost of insurance after a DUI at $2,500 per year.
It varies by state, but a DUI will typically remain on your driving record for seven to ten years — and your criminal record forever. Once the DUI drops off your driving record, your motorcycle insurance rates should go back to normal.
With a DUI to your name, your insurer has the right to hike up your rates for at least three years. But there are a few things you can do now that may cut down the costs of your motorcycle insurance:
Technically, no — but it’s always better to be forthcoming. When you renew your policy, your insurer will pull up your driving record and see the conviction. Most insurers will then raise your rates, while others will refuse to renew your policy.
If you tell your insurer about the DUI, they’ll be able to walk you through your policy options — or let you know if it’s time to start looking elsewhere.
As for your current car insurance policy, your rate is most likely locked in until your renewal date. This means the DUI won’t affect your policy as it stands.
A DUI will have a major impact on your motorcycle insurance. It might make it tricky to get coverage, and it will almost always leave you paying a much higher premium.
But there are carriers that specialize in high-risk drivers, and you may be able to strategically cut down the cost of your insurance.
To get the best possible rate, compare motorcycle insurance providers.
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