How can I get car insurance if my spouse has a DUI/DWI?

If a court has convicted your spouse of driving under the influence or driving while intoxicated, you may be wondering how this will affect your car insurance. Getting car insurance after a DUI is much harder, but what if your wife or husband is the one with the DUI? What will insurance companies expect if your spouse is now ready to resume driving? 

We know getting insurance after your spouse has had a DUI can be a complex subject to deal with and could have significant financial repercussions, so we’ve researched for you to provide answers.

What happens to my car insurance if my spouse gets a DUI?

If your husband or wife received a DUI conviction, insurance companies would assume that they now represent an increased risk. This means they will need high-risk car insurance. You will need to see if the company will extend coverage at all and may need to get various quotes to determine the best price on new rates. 

If you are living together, you may want to see if you can exclude your partner from your car insurance, presuming this will make your premium more manageable. Otherwise, the insurance company will automatically assume that you will both have the opportunity to drive the vehicle, or vehicles, and quote accordingly.

Read More:

• Compare Best Car Insurance Companies That Accept DUI
• Does car insurance cover excluded drivers?
• Compare Best Car Insurance Companies That Allow Spouse Exclusions
• DWI vs. DUI: What Is the Difference?

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Does a named driver exclusion help lower the cost of insurance after my spouse gets a DWI?

Can you take advantage of what is known as a named driver exclusion? 

In this case, you would notify your insurance company that your spouse will not drive the vehicle noted on your policy at any time. The company will then write this clause into the paperwork, and you may see this reflected in lower rates. 

However, some states do not allow you to do this. For example, Vermont does not permit any named driver exclusions, and you will need to contact your DMV or insurance provider to determine the rules in your jurisdiction. You should also talk with each insurance company to see if the practice is allowed, should it be okay with the state.

What if my company will not provide any auto insurance coverage?

On the flip side, an insurance company may not be happy to cover a certain individual if they have a terrible driving history. In this case, the company may insist on excluding your spouse if your spouse got a DUI. 

If you’re wondering, “What are my rights when I am refused car insurance coverage?” You would then need to shop around to see if any other company would give you the coverage or make alternative arrangements.

Will we need insurance coverage before driving privileges are restored?

Don’t forget that your spouse may need to get a specific form from your insurance company before the DMV restores their driving privileges. This is known as an SR 22. It is a document that shows that the driver now carries at least the minimum auto insurance coverage specified by the state. They need to know how to file for SR-22 car insurance in order to start driving again.

Get in touch with your insurance company, and a representative will provide a form that you will need to fill in and return.

What if the company excludes my spouse, but they drive the car anyway?

Most companies will cover all drivers in one home under one car insurance policy. If the company agrees to exclude the spouse who got a DUI, you must be very careful to make sure they comply. 

After all, the company is unlikely to honor any claim related to an incident if your spouse does get behind the wheel, and your insurer might cancel the policy altogether if they’re caught doing so.

What if we have two cars?

If you have two cars in the household, you may want to see if you can get insurance from two different companies. In this case, buying a less valuable vehicle for the spouse with a DUI conviction may be a good idea. Ask if you can have a named driver exclusion on the other vehicle and compare prices to see where you end up.

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Case Studies: Getting Car Insurance if Your Spouse has a DUI/DWI

Case Study 1: Obtaining High-Risk Car Insurance

John and Emily are a married couple residing in California. After Emily’s DUI conviction, they realized that their car insurance rates would likely increase. They contacted multiple insurance companies to explore their options.

Eventually, they found a company that offered high-risk car insurance and provided coverage for Emily. Although the premiums were higher than before, they were able to secure the necessary coverage.

Case Study 2: Named Driver Exclusion

Mark and Sarah live in Texas. Following Sarah’s DWI, they wanted to explore if a named driver exclusion could help lower their insurance costs. They contacted their insurance company and discovered that Texas does allow named driver exclusions.

By excluding Sarah from their policy, they were able to reduce their premiums significantly while still maintaining coverage for Mark.

Case Study 3: Seeking Alternative Coverage

Mike and Lisa reside in Vermont, where named driver exclusions are not permitted. When their insurance company refused coverage for Lisa due to her DUI, they realized they needed to find an alternative solution.

They reached out to various insurance providers and eventually found one that was willing to provide coverage for Lisa. While the premiums were higher than before, they were relieved to have insurance coverage for both of them.

Case Study 4: Obtaining an SR-22 Form

David and Jessica live in New York. Jessica’s DUI conviction required her to obtain an SR-22 form, demonstrating that she carried the minimum required auto insurance coverage.

They contacted their insurance company, which provided them with the necessary form. After submitting the form to the DMV, Jessica’s driving privileges were restored.

Case Study 5: Ensuring Compliance with Exclusion

Alex and Rachel reside in Florida. When their insurance company agreed to exclude Alex from coverage due to his DUI, they understood the importance of ensuring compliance. They established clear guidelines within their household to ensure that Alex never drove the insured vehicle.

They were aware that any claims related to incidents involving Alex driving would not be honored by their insurer, and the policy could potentially be canceled.

Final Thoughts on Getting Car Insurance if Your Spouse Has a DUI

Getting a named driver exclusion clause written into your policy may be possible should your spouse have a DUI conviction. Some states and insurance companies do not allow this, so you must shop around. If successful, your spouse will not be able to drive, but you will probably have lower insurance rates.

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