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Getting back behind the wheel after a DUI is tough enough—but if you’re a business owner or commercial driver, the stakes are even higher. You may be wondering: Can I still get commercial insurance with a DUI on my record? The short answer is yes, but it’s not always simple.
In this post, we’ll break down what having a DUI means for your commercial insurance prospects, how insurers evaluate high-risk drivers, and what steps you can take to protect your business (and your wallet). Whether you’re a contractor with a fleet, a rideshare driver, or an owner-operator with a CDL, this guide will give you the clarity and confidence to move forward.
Understanding the DUI Impact on Insurance
A DUI (Driving Under the Influence) conviction isn’t just a legal issue—it’s also a major red flag to insurance companies. It tells insurers that you’re a high-risk driver, which directly affects:
- Your eligibility for commercial insurance
- The premiums you’ll pay
- The coverage options available to you
According to the Insurance Information Institute, a DUI conviction can increase your insurance premiums by 80% or more, depending on your state and the severity of the incident.
For commercial drivers, these risks are amplified.
Yes, You Can Get Commercial Insurance with a DUI
Let’s clear the air: a DUI doesn’t automatically disqualify you from getting commercial auto insurance. However, you’ll face more hurdles than a driver with a clean record. Here’s what typically happens:
1. Higher Premiums
Expect to pay significantly more. Insurers now view you as a high-risk client, which means they’ll charge accordingly.
2. Limited Carrier Options
Many mainstream carriers may deny your application outright. You may need to seek out high-risk or specialty insurers who work with DUI-convicted drivers.
3. State-Specific Rules
In states like California and Florida, you may be required to file an SR-22 or FR-44, which is a certification of financial responsibility showing that you carry the state’s minimum insurance requirements.
Commercial Insurance vs. Personal Insurance After a DUI
While both personal and commercial insurance become more expensive post-DUI, commercial policies tend to be more complex due to higher liability risks and regulatory requirements.
| Feature | Personal Auto Insurance | Commercial Auto Insurance |
|---|---|---|
| Premium increase post-DUI | 50%–100%+ | Often 100%+ or denial |
| Flexibility in insurers | More available carriers | Fewer willing to insure |
| SR-22 requirement | Common | Varies by state |
| Policy complexity | Basic coverage tiers | Multiple vehicle/employee coverage |
| State oversight | Minimal | Strict (especially with a CDL) |
CDL Drivers: Special Challenges
If you hold a Commercial Driver’s License (CDL), the impact of a DUI can be career-altering. Under FMCSA regulations, a DUI conviction can lead to:
- A 1-year suspension for a first offense
- A lifetime disqualification for a second offense
- Potential job loss or hiring bans
Many commercial insurers will either drop a CDL holder or dramatically raise rates after a DUI. However, if you’re self-employed or working in a niche sector, some specialty carriers may still offer coverage with limitations.
➡️ Learn more about CDL DUI consequences from the FMCSA
How Insurers Evaluate Drivers with a DUI
Insurance companies assess risk using several key factors beyond just your DUI conviction:
- Time Since the DUI: Most insurers require at least 3 years to pass before offering standard rates again.
- Driving History: One DUI might be forgivable if the rest of your record is clean.
- Business Type: Driving for deliveries or hauling hazardous materials carries more liability than driving a company car.
- Vehicle Class: Large trucks and fleet vehicles cost more to insure.
- Claims History: Previous insurance claims raise red flags and premiums.
Insurers weigh these variables differently, which is why shopping around becomes so crucial.
What You Can Do: Tips to Secure Commercial Insurance After a DUI
So, how do you move forward if you need commercial insurance but have a DUI on your record? Here are some steps you can take to improve your chances:
1. Work with a High-Risk Insurance Broker
These professionals specialize in placing drivers with DUIs or other violations and can help you find coverage that fits your needs.
2. Request Quotes from Multiple Carriers
Avoid settling for the first quote. High-risk insurance varies significantly by provider, and some may be more lenient than others.
3. Maintain a Clean Record Moving Forward
Many carriers offer reduced rates if you remain violation-free for 3–5 years after your DUI.
4. Complete a Defensive Driving Course
In some states, voluntarily taking a driving course can reduce your premium or improve your standing with an insurer.
5. Choose the Right Vehicle
Opt for safer, newer vehicles with strong safety ratings. Insurers may offer lower premiums for low-risk models.
6. Ask About Usage-Based Insurance
Some companies use telematics devices to monitor your driving habits, rewarding you for safe behavior over time.
Real Talk: Stories from Drivers Who’ve Been There
One Texas-based contractor, Mike J., shared his experience after getting a DUI in 2021. “I thought I was done,” he said. “No one would cover my work truck, and I nearly lost two contracts because of it.”
Mike eventually found coverage through a regional insurer that works with high-risk clients. It wasn’t cheap—his premium doubled—but it allowed him to keep operating.
His advice? “Don’t try to hide it. Be honest, and get help from someone who understands the insurance world.”
States Where DUI Insurance is Especially Challenging
Some states are known for strict DUI-related insurance rules. Here’s a quick snapshot:
| State | SR-22/FR-44 Required? | Time on Record | Avg. Rate Increase |
|---|---|---|---|
| California | Yes (SR-22) | 10 years | ~75% |
| Florida | Yes (FR-44) | 10 years | ~80–100% |
| Texas | Yes (SR-22) | 3–5 years | ~60–80% |
| New York | No SR-22 | 3 years | ~50–70% |
| Illinois | Yes (SR-22) | 3 years | ~60% |
Each state has its own rules, so always check with your DMV or local insurance authority.
Finding the Right Commercial Insurance Policy with a DUI
If you’re ready to get coverage, here are a few high-risk insurers to explore:
- The General – Known for high-risk personal and commercial auto insurance.
- Progressive Commercial – Offers non-standard policies and SR-22 support.
- Bristol West – Works with drivers who have DUIs or other violations.
- Dairyland Insurance – Covers high-risk drivers in multiple states.
Don’t forget to leverage comparison tools like Gabi or Insureon to review multiple quotes at once.
Final Thoughts: Don’t Let a DUI End Your Business
Getting commercial insurance after a DUI is challenging—but far from impossible. While you may face higher premiums and limited provider options, you can still find reliable coverage by working with the right people, staying informed, and maintaining a clean driving record moving forward.
Remember: insurance is all about risk—and risk can change over time. Your DUI doesn’t define your driving future or your business success.
✅ Your Next Step: Take Control of Your Insurance Future
If you’ve been hit with a DUI and are unsure where to go next:
👉 Consult a high-risk insurance broker who can help you find the best deal.
👉 Start comparing quotes today to understand your new premium range.
👉 Explore related articles on maintaining a clean record and lowering insurance costs.
Have a story about getting insurance after a DUI? Share it in the comments—we’d love to hear how you made it work.
