A woman seated in the driver's seat of a car at night adjusts the rearview mirror, seen from outside through the open window, with a wet street and blurred lights in the background.

What Is Liability Insurance After a DUI?

Liability insurance covers damage and injuries you cause to others in an at-fault accident.

Free to compare

What Is Liability Insurance Insurance?

Liability insurance is split into two parts: bodily injury liability pays medical bills, lost wages, and pain-and-suffering settlements for people you injure in an accident, and property damage liability covers repair or replacement of vehicles and property you damage. After a DUI conviction, liability is what your SR-22 filing attaches to, and your state won't accept the filing without active liability coverage meeting or exceeding state minimums.

A man in a dark long-sleeved henley sits at a desk using a laptop, with architectural drawings spread in front of him, a dark mug to the right, a window with warm light behind, and shelving with boxes and binders in the background.

Who Needs Liability Insurance Insurance?

Every driver filing SR-22 after a DUI must carry liability insurance because SR-22 is a proof-of-financial-responsibility certificate that attaches to an active liability policy meeting state minimums. If you own a vehicle, drive a household member's vehicle regularly, or need to reinstate a suspended license, liability coverage is legally non-negotiable. If you don't own a vehicle but need SR-22 to satisfy court or DMV compliance, non-owner SR-22 provides liability coverage for vehicles you borrow or rent.

If SR-22 is required and you drive or plan to reinstate driving privileges, carry liability at or above state minimums and consider 50/100/50 or higher limits if you have assets a lawsuit could reach. If your state allows it and you don't own a vehicle, non-owner SR-22 is cheaper and meets the filing requirement.

How Much Does Liability Insurance Insurance Cost?

Non-standard carrier tier matters: Direct Auto and The General quote state minimums freely, while Bristol West and Dairyland push higher limits and bundle discounts that raise the monthly cost but lower the per-dollar cost of coverage.

Related Coverage Types

A man in a gray hooded sweatshirt and dark baseball cap sits in a truck cab and fastens his seat belt, with blurred tan vegetation visible through the windows.

Uninsured Motorist Coverage→

View from a driver's seat at night showing two hands gripping a steering wheel, a red-lit instrument cluster, and a wet road with blurred streetlights through the windshield.

SR-22 Insurance→

An open black mailbox with a raised red flag on a wooden post, holding a white envelope, with a dark car parked under a carport of a house blurred in the background at dusk.

SR-22 Insurance

A black mailbox on a post with its door open and a brown envelope inside, with a gray SUV parked in a driveway and a house blurred in the background at dusk.

Non-Owner SR-22

A woman with long gray-blonde hair, wearing a light scarf, cardigan and cream pants, stands in the open driver's door of a dark sedan on a tree-lined street.

Find an Insurer That Will File After a DUI

Get SR-22 Coverage After a DUI