Lilah Butler, Car Insurance Writer
@lilah_c
Yes, Farmers will insure you with a DUI. In addition to insuring people who have been convicted of driving under the influence (DUI), Farmers will file an SR-22 or FR-44 form with the driver’s state after a DUI conviction, if necessary.
Farmers insurance after a DUI conviction will cost approximately 61% more than a Farmers policy costs for drivers with a clean driving record. After the DUI conviction stops showing up on your driving record, usually within 3 to 5 years, Farmers will decrease your rates.
What to Do If Farmers Denies You Coverage
Even though Farmers insures drivers with a DUI, you may get turned down if you have more than one DUI or a DUI plus other significant risk factors. In this case, your state government will help. Each state has a program that allows drivers who cannot find car insurance coverage elsewhere to get a policy. These insurance programs are typically more expensive and only offer the state’s minimum required coverage, so you should shop around before resorting to getting your insurance through the state.
People also ask
Does Farmers offer non-owner car insurance?
Yes, Farmers offers non-owner car insurance for people who do not have access to a car owned by someone in their household. Non-owner car insurance is a good investment for drivers who don't own a car themselves but frequently borrow or rent cars, or those who need to file an SR-22 or FR-44 with their state to prove they have car insurance. A non-owner policy from Farmers typically costs around $518 per year.
Farmers non-owner car insurance provides liability insurance...
read full answerHow long does DUI affect insurance rates?
A DUI affects insurance rates for 3-10 years, depending on the driver’s state and insurance company. Most insurance companies look back 3-5 years for infractions on a driving record, but some look back as far as seven years. And even if a DUI doesn’t cause a driver’s rates to skyrocket long-term, it can have a lingering effect on costs. For example, insurance companies in California legally can’t offer you a good driver discount for 10...
read full answerHow long after a DUI do I need an SR-22?
You need an SR-22 for 1-5 years after a DUI, though most states require you to have it for three years. You must be continuously insured during this timeframe, since any lapse in coverage will cause the SR-22 clock to reset.
Once you’ve maintained your SR-22 insurance for the required period of time after a DUI, you can contact your insurance company and ask them to cancel the SR-22 filing. However, keep in mind...
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