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How to Get a Motorcycle Insurance Quote with a DUI History If you have a DUI (Driving Under the Influence) on your record, securing an affordable motorcycle insurance quote can be challenging

August 2, 2025   Insurance Quote

However, it’s not impossible. Insurance providers consider DUIs high-risk, but with the right approach, you can still find coverage that fits your needs and budget.

Why a DUI Affects Your Motorcycle Insurance Rates

A DUI conviction signals to insurers that you pose a higher risk of filing a claim. As a result, you may face:

  • Higher premiums:

    • – Rates can double or even triple after a DUI.

  • Limited options:

    • – Some insurers may refuse coverage altogether.

  • SR-22 requirement:

    • – Many states require an SR-22 form to prove financial responsibility.

    Steps to Get a Motorcycle Insurance Quote with a DUI

    1. Shop Around for High-Risk Insurers

    Not all insurance companies treat DUIs the same. Some specialize in high-risk policies and may offer better rates. Compare quotes from multiple providers, including:

  • Progressive:
  • Dairyland:
  • GEICO:
  • State Farm:

    • 2. Consider a Non-Standard Insurance Provider

    If mainstream insurers deny you coverage, look into companies that cater specifically to high-risk riders.

    3. Improve Your Riding Record

    Over time, a clean record can help lower your rates. Avoid further violations and take a defensive driving course to demonstrate responsibility.

    4. Opt for Higher Deductibles

    Choosing a higher deductible can reduce your premium, but ensure you can afford the out-of-pocket cost in case of a claim.

    5. Maintain Continuous Coverage

    A lapse in insurance can further increase your rates. Even if your policy is expensive, keeping coverage active prevents additional penalties.

    6. Check for State Assistance Programs

    Some states offer programs to help high-risk drivers obtain insurance. Research options in your area.

    How Long Will a DUI Affect Your Rates?

    Most insurers consider a DUI for 3 to 5 years, though some may look back up to 10 years in severe cases. Over time, its impact will lessen if you maintain a clean record.

    Final Thoughts
    While a DUI makes motorcycle insurance more expensive, persistence and smart shopping can help you find an affordable policy. Compare quotes, explore high-risk insurers, and work on improving your driving record to secure the best possible rate.

    Need a quote now? Contact specialized insurers or use online comparison tools to find the best motorcycle insurance for riders with a DUI history.

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