Will Geico insure me with a DUI? This question is about GEICO

Will Geico insure me with a DUI?

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This question is about GEICO

Lilah Butler, Car Insurance Writer

@lilah_c • 05/23/23 This answer was first published on 05/23/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, Geico will insure you with a DUI. In addition to insuring people who have been convicted of driving under the influence (DUI), Geico will file an SR-22 or FR-44 form with the driver’s state after a DUI conviction, if necessary.

Geico insurance after a DUI conviction will cost approximately 141% more than a Geico 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, Geico will decrease your rates.

What to Do If Geico Denies You Coverage

Even though Geico 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.

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Does Geico offer SR-22 insurance?

Yes, Geico offers SR-22 insurance to drivers who have been classified as “high-risk” by their state. Geico will file an SR-22 form with the state on a customer's behalf as well as provide the insurance coverage necessary to meet the state's SR-22 requirements. On average, drivers will need to maintain SR-22 insurance for three years.

Key Things to Know About Geico SR-22 Insurance

Geico typically charges a $15-$25 filing fee in...

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How 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...

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How 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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