DUI Auto Insurance and SR-22 Insurance
 

Each state sets its own speed limits, and it also decides what to do about drunk driving in the state. The table below shows how states define drunk driving. Whether they immediately suspend the driver's license for first-time offenders, how long offenders have to wait until they can drive again, and whether drunk drivers face having their vehicles impounded or fitted with an ignition interlock.

DUI Insurance and SR-22 Insurance

Administrative license suspensions happen independently of the criminal process, which means drunk drivers get taken off the roads that much more quickly. Interlocks analyze a driver's breath and disable the ignition when they detect alcohol.

SR-22 in California and Other States

You'll notice that there are different figures for adults and youths. That's a result of the zero-tolerance measure passed by Congress in 1995, and subsequently by the states. It sets a different standard for drivers under the age of 21, who cannot legally drink alcohol. We help you understand SR-22 in California and anywhere. We offer SR-22 insurance and comprehensive DUI auto insurance.

   
  DUI Insurance: Drunk driving per se
 

An "illegal per se" law means that it is illegal in and of itself for you to be caught driving if your Blood Alcohol Concentration is over a certain amount. We offer DUI auto insurance for drivers who have had DUI charges. We know that getting insurance after an infraction is difficult. Our DUI insurance is the perfect solution (.10 or .08 percent, depending on the state).

In places without an "illegal per se" law, your BAC is just one of the factors that determines whether or not you're a drunk driver. Other factors would include slurred speech, unsteady gait and all those other things that the police look for when they give those roadside tests. Every state except Massachusetts and South Carolina has an "illegal per se" law.

   
  What is an SR-22? -
  How quickly can I activate my insurance and SR-22 filing? In most cases your insurance and SR-22 can be activated immediately over the phone. Once a quote has been prepared our agents will complete an application for you and activate your insurance coverage immediately.
   
  How can I pay for my insurance and SR-22 filing?
  Our office has many payment options available. You may pay in full or make an affordable down payment and monthly payments. You may select a payment method of check by phone or fax and we accept all major credit cards.
   
  What are the penalties for a DUI?
   
 
State
BAC defined as illegal per se
Admin. license suspension 1st offense (3)
Restore driving privileges during suspension? (3),(4)
Do penalties include interlock/ forfeiture? (5)
-
Adult(1)
Youth(2)
-
-
Adult
Youth
Alabama
0.08
0.02
90 days
no
no
no
Alaska
0.10
0.00
90 days
after 30 days
yes
yes
Arizona
0.10
0.00
90days
after 30 days
no
yes
Arkansas
0.10
0.02
180 days
yes
yes
yes
California
0.08
0.01
4 months
after 30 days
yes
yes
Colorado
0.10
0.02
3 months
no
yes
no
Connecticut
0.10
0.02
90 days
yes
no
no
Delaware
0.10
0.02
3 months
no
yes
no
District of Columbia
0.10
0.02
2-90 days
yes
no
no
Florida
0.08
0.02
6 months
yes
yes
no
Georgia
0.10
0.02
1 year
yes
yes
yes
Hawaii
0.08
0.02
3 months
after 30 days
yes
no
Idaho
0.08
002
90 days
after 30 days
yes
no
Illinois
0.08
0.00
3 months
after 30 days
yes
no
Indiana
0.10
0.02
180 days
after 30 days
yes
no
Iowa
0.10
0.02
180 days
yes
yes
no
Kansas
0.08
0.02
30 days
no
yes
no
Kentucky
0.10
0.02
--
---
no
no
Louisiana
0.10
0.02
90 days
after 30 days
yes
no
Maine
0.08
0.00
90 days
yes
yes
no
Maryland
0.10
0.02
45 days
yes
yes
no
Massachusetts
none
0.02
90 days
no
no
no
Michigan
0.10
0.02
n/a
n/a
yes
no
Minnesota
0.10
0.00
90 days
after 15 days
no
yes
Mississippi
0.10
0.08
90 days
no
no
yes
Missouri
0.10
0.02
30 days
no
yes
yes
Montana
0.10
0.02
n/a
n/a
yes
yes
Nebraska
0.10
0.02
90 days
after 30 days
yes
no
Nevada
0.10
0.02
90 days
after 45 days
yes
no
New Hampshire
0.08
0.02
6 months
no
no
no
New Jersey
0.10
0.01
n/a
n/a
no
no
New Mexico
0.08
0.02
90 days
after 30 days
no
no
New York
0.10
0.02
varies
yes
es
yes
North Carolina 0.08
0.00
10 days
no
yes
yes
North Dakota
0.10
0.02
91 days
after 30 days
yes
yes
Ohio
0.10
0.02
90 days
after 15 days
yes
yes
Oklahoma
0.10
0.00
180 days
yes
yes
no
Oregon
0.08
0.00
90 days
after 30 days
yes
no
Pennsylvania
0.10
0.02
n/a
n/a
no
yes
Rhode Island
0.10
0.02
n/a
n/a
yes
yes
South Carolina
none
n/a
n/a
n/a
no
yes
South Dakota
0.10
n/a
n/a
n/a
no
no
Tennessee
0.10
0.02
n/a
n/a
yes
yes
Texas
0.10
0.00
60 days
yes
yes
yes
Utah
0.08
0.00
90 days
no
yes
no
Vermont
0.08
0.02
90 days
no
no
no
Virginia
0.08
0.02
7 days
no
yes
no
Washington
0.08
0.02
n/a
n/a
yes
yes
West Virginia
0.10
0.02
6 months
after 30 days
yes
no
Wisconsin
0.10
0.02
6 months
yes
yes
yes
Wyoming
0.10
n/a
90 days
yes
no
no
   
  Notes:
 

1. Laws in Massachusetts and South Carolina aren't per se laws. A BAC of 0.10 percent in South Carolina and 0.08 percent in Massachusetts is evidence of alcohol impairment but isn't illegal per se. In Delaware, the 0.02 percent BAC law for young drivers isn't a per se law.

  2. Special BAC for young drivers applies to people younger than 21 except in Wisconsin, where the age is 19.
  3. Information pertains to drivers in violation of the BAC defined as illegal per se for all drivers, not the special BAC for young drivers.
  4. Drivers usually must demonstrate special hardship to justify restoring privileges during suspension, and then privileges are often restricted.
  5. A multiple offender's vehicle may be seized and disposed.
  6. An offender's vehicle may be impounded or immobilized, the registration may be suspended, or the license plates may be confiscated. In New York, registration suspension applies only to offenders younger than 21. In Montana, impoundment applies only to offenders younger than 18.
  7. In New York, administrative license suspension lasts until prosecution is complete.
  Source: Insurance Institute For Highway Safety
 
 
 
   
 
   
 
   
 
   
 
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