Does Progressive insure drivers with a DUI?

This question is about Progressive Insurance

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@WalletHub 07/06/20 This answer was first published on 07/06/20. 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, Progressive does insure drivers who have been convicted of a DUI. The company is able to file an SR-22 or FR-44 form immediately, when necessary. Progressive raises rates by about 6% after a first DUI conviction, on average. After the DUI conviction stops showing up on your driving record, usually between 3 to 5 years after the incident, Progressive will decrease your rates.

Progressive considers the amount of time that has passed since your DUI as well as your age to determine how much to increase your rates after a conviction. It is also worth noting that if you are in an accident while driving under the influence of alcohol or drugs, your Progressive insurance will still cover injuries or damages that occur, up to the limits of your policy.

If you get turned down for an insurance policy, your state government will help. Each state has a program through which it helps provide last resort insurance options for high risk drivers. These insurance programs are typically more expensive and offer only liability coverage, so you should shop around before resorting to getting your insurance through the state.

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People also ask

Does Progressive have non owners SR-22 insurance?

Progressive offers non-owner SR-22 insurance, but you have to call 1-866-749-7436 to get a personalized quote and find out the cost. Progressive does not offer online quotes for non-owner SR-22 insurance.

SR-22 insurance is for drivers considered “high-risk” by the state. If you are required to file an SR-22 but don’t have a car, you’ll need a non-owner SR-22 policy. This proves you meet state minimum insurance requirements whenever you drive and while operating any car. Progressive will file your SR-22 document with the department of motor vehicles after you purchase your policy, and the filing fee is usually about $25.… read full answer

Non-owner car insurance is less expensive than standard coverage, but it will cost more with an SR-22—likely twice as much or more. Still, non-owner SR-22 insurance will be cheaper than a standard policy with an SR-22.

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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 years after a DUI conviction.… read full answer

During the period in which it directly affects premiums, a DUI conviction causes insurance rates to rise by about 80% on average, although each insurer and state is different. If you practice good habits in the years following a DUI, however, you’ll eventually see your rates fall back down.

Since every insurance company has its own lookback period for driving records, you’ll need to check with your insurer to know exactly how long your rates will be affected by a DUI. But keep in mind that even after your costs go down, a DUI will likely appear on your driving record for much longer, depending on your state. While some states like Maryland and Hawaii only require it to remain for five years, others such as Texas and Oregon keep it on your record for life.

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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 … read full answer cancel the SR-22 filing. However, keep in mind that your insurance company will have to contact the state DMV to remove the form. If you attempt to cancel the SR-22 early, you will face repercussions including hefty fines and a driver’s license suspension.

Since a DUI conviction and an SR-22 classify you as a high-risk driver, you should expect your insurance rates to go up by about 80%, though the exact amount will depend on your state. The good news is that insurance companies only look back 3-5 years on your driving record when calculating your premium, so your rates will eventually go back down.

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