Affordable DUI Insurance Quotes | Orbit Insurance Services

Comprehensive coverage

What types of DUIs can I insure with Orbit?

No matter the specifics of your record, we provide insurance solutions tailored to your unique situation to help you get back on the road.

Aggravated DUI

Involves higher BAC levels or other severe factors, leading to harsher penalties and higher insurance rates for DUI offenders. We can help you find coverage.

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Underage DUI

Applies to drivers under 21 with any detectable alcohol levels, often requiring higher-risk insurance due to legal restrictions. We provide specialized options.

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Commercial DUI

Involves driving a commercial vehicle under the influence, leading to stricter penalties and the need for commercial DUI insurance coverage.

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Drug DUI

Involves driving under the influence of drugs, whether legal or illegal, and requires specialized high-risk insurance for drivers convicted.

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Extreme DUI

Occurs when a driver’s BAC is significantly above the legal limit, typically resulting in increased insurance rates and coverage requirements.

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Felony DUI

A serious offense involving multiple DUI convictions or extreme circumstances, leading to high-risk insurance for an extended period of time.

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Misdemeanor DUI

A less severe DUI offense compared to felony DUI, but still requires DUI insurance for a period, based on state requirements.

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Wet Reckless

A lesser offense than DUI, often resulting from a plea deal, requiring high-risk insurance but typically at a lower cost than standard DUI insurance.

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Why Orbit

Why Orbit is the best choice for DUI Insurance?

Competitive Rates

We shop multiple carriers so you get the best rate for DUI and high-risk coverage, ensuring you don't overpay for the protection you need.

Industry Expertise

Our licensed agents understand the complex legal requirements and state filings necessary to reinstate your driving privileges seamlessly.

With or Without a License

We work with drivers in various situations and can find coverage options to meet state mandates, even if your license is currently suspended.

Any Credit Welcome

Good credit, bad credit, or no credit — we provide flexible payment plans and rate options built around your specific financial situation.

Online, Phone, or In-Person

Get your DUI insurance policy and SR-22 filed however you prefer — instantly online, over the phone, or face-to-face with a local agent.

Talk to a high-risk auto expert today

A real agent is ready to help you navigate your coverage requirements — no judgment, just honest answers and fast solutions.

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Stay protected

What coverages can I get for DUI Insurance?

Just because you need high-risk coverage doesn't mean you should compromise on protection. Here are the coverages available for DUI drivers.

Liability Insurance

Covers bodily injury and property damage you cause to others in an accident. Maintaining state-minimum liability is strictly required for DUI compliance.

Collision Coverage

Pays for repairs or replacement of your vehicle after a collision, regardless of fault, helping you recover financially after an accident.

Comprehensive Coverage

Covers damage from non-collision events like theft, vandalism, or extreme weather, ensuring your vehicle is fully protected.

Uninsured/Underinsured Motorist

Protects you against accidents involving drivers with inadequate or no insurance, ensuring you're covered when others fail to be.

Medical Payments & PIP

Covers medical costs, lost wages, and other expenses for you and your passengers resulting from an accident, regardless of who is at fault.

Roadside Assistance & Towing

Provides emergency help like towing, flat tire repair, battery jumps, and labor costs, minimizing interruptions if your vehicle breaks down.

The basics

What is DUI Insurance?

DUI insurance is a specialized type of auto insurance designed specifically for drivers with a DUI (Driving Under the Influence) or DWI violation on their record. It mainly serves customers who find it difficult to get standard car insurance due to a conviction. This insurance helps offenders access the coverage required by law and get back to driving legally.

DUI insurance generally comes with higher premiums due to the increased risk associated with policyholders with a DUI record. Most insurance providers will also need to file an SR-22 form as proof of financial responsibility. Fortunately, many policies offer options that encourage drivers to enhance their driving records, such as discounts for enrolling in a defensive driving or alcohol education course.

Difference between DUI Insurance and SR-22 Insurance

DUI insurance provides coverage tailored to the specific needs of high-risk drivers with convictions. The SR-22 is the certificate that attests they have the required coverage.
DUI insurance addresses the elevated risk linked to the offender, whereas SR-22 ensures you comply with the state minimum requirement.
DUI insurance is the actual policy protecting the vehicle and driver, whereas SR-22 only verifies to the state that an active policy exists.

Good to know

Frequently asked questions & Requirements

DUI insurance is essential for individuals convicted of a DUI/DWI, drivers who have had their license suspended or revoked due to alcohol/drug offenses, drivers whose insurance was canceled post-DUI, and drivers ordered by the court to maintain an SR-22 certificate.

A single DUI conviction typically raises the annual cost of full coverage auto insurance significantly. State minimum liability insurance costs can nearly double. Rates vary based on the severity of the offense, your location, and your driving history. We specialize in finding the lowest possible rates for your situation.

Key factors include DUI conviction severity (e.g., BAC level, property damage), number of prior offenses, age, gender, location, the vehicle you drive, and whether you've completed mandated DUI programs like alcohol education courses.

Yes! You can lower your premiums through Multi-Policy (bundling) discounts, Multi-Vehicle discounts, completing Defensive Driving Courses, opting for Electronic or Paid-in-Full payments, maintaining Low Mileage, or installing Anti-Theft devices.

To provide the most accurate quote, we will need:

Personal Details: Name, Address, Contact details
Driving History: Specific DUI conviction details, dates, and frequency
Vehicle Specs: Make, Model, Year, VIN, and usage info
Filing Needs: Confirmation if an SR-22 is required by your state
License Info: License Number and state of issuance

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