Many car insurance companies offer discounts for a clean driving record. While the good/safe driver discounts vary depending on the insurer, there’s no such thing as a discount for not having DUIs.
Do insurance companies offer a specific “No-DUI” discount?
Insurers don’t offer a discount for not having a DUI. However, maintaining a clean driving record free of DUIs, accidents or traffic violations can make you eligible for safe driver discounts. Insurers reward low-risk drivers, and having no DUIs for several years helps you qualify for those savings.
What happens to your insurance after a DUI conviction?
After a DUI conviction, you can expect your car insurance rates to increase because insurance companies consider drivers with DUIs a high risk. In most states, you’ll also be required to file an SR-22 or FR-44 form, a certificate of financial responsibility proving you carry the required insurance.
Some insurance companies may even cancel or choose not to renew your policy, so you might need to find a new insurer that offers insurance for high-risk drivers.
Find out how much your insurance could increase after a DUI
How to maximize your chances of getting a discount
Getting a car insurance discount isn’t just about luck. It’s about knowing what insurers look for and checking the right boxes.
- Maintain a clean driving record: Avoid traffic violations, accidents and DUIs. A clean driving record is one of the easiest ways to qualify for safe driver discounts.
- Ask about discounts directly: Not all discounts are automatically applied, so it’s important to ask your insurer about the discounts for which you may qualify.
- Improve your credit score: In many states, insurers use credit scores to calculate premiums. A higher credit score can lower premiums and help you get a discount.
- Use telematics or usage-based insurance: If available, opt into your insurer’s telematics program. These programs monitor your driving habits through a mobile app or device, and safe drivers are often rewarded with lower rates.
- Bundle your policies: If you bundle your auto policy with a home or renters policy with the same car insurance company, you can qualify for a bundling discount.
Review your coverage at least once a year to ensure you get all the discounts you qualify for.
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Final thoughts
A clean driving record is key to lowering your car insurance premiums. Insurers reward low-risk drivers, so by maintaining a clean driving record, you can qualify for a safe driver discount.
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