Lilah Butler, Car Insurance Writer
@lilah_c
Yes, National General will insure you with a DUI. In addition to insuring people who have been convicted of driving under the influence (DUI), National General will file an SR-22 or FR-44 form with the driver’s state after a DUI conviction, if necessary.
National General insurance after a DUI conviction will cost approximately 62% more than a National General 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, National General will decrease your rates.
What to Do If National General Denies You Coverage
Even though National General 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
Why is National General so cheap?
National General is cheap for responsible payers because it offers discounts like paid-in-full, paperless, and autopay discounts. But there are other insurance companies that might be cheaper than National General overall.
National General wasn’t among the 10 cheapest car insurance companies in our review, but it does offer a variety of discounts, like discounts for being a safe driver, having a low annual mileage, and being affiliated with certain organizations. Plus, National General rewards customer loyalty with discounts...
read full answer by WalletHub, Financial CompanyHow 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 answer by WalletHub, Financial CompanyHow 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...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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