Having a DUI on your record can create challenges, especially when it comes to insurance. However, it doesn’t mean you’re out of options. If you ride a motorcycle in Oklahoma and have a DUI conviction, you can still obtain insurance, though the process may differ slightly. Your insurance agent at Insurance Source Solutions, serving Oklahoma, can assist you in finding the right coverage.
Coverage Is Still Available—But It May Cost More
Most insurance providers offer coverage to riders with a DUI, but you should expect higher premiums. A DUI categorizes you as a higher-risk driver in the eyes of insurers, which results in increased rates. However, since each provider evaluates risk differently, shopping around can help you find more affordable options.
You may also need to file an SR-22, a certificate that proves you carry the state’s minimum required liability coverage. While SR-22 filings are often associated with car insurance, they apply to motorcycle policies as well if you’re riding on public roads.
Improving Your Record Over Time
Although a DUI can impact your insurance rates, its effects don’t last forever. In Oklahoma, a DUI typically affects your rates for three to five years. During this time, maintaining a clean record—avoiding further infractions or claims—can help lower your premiums gradually.
Taking a defensive driving or rider safety course may also demonstrate to insurers that you’re committed to safer driving practices, potentially earning you discounts or lower rates.
Don’t Go Without Coverage
Even with a DUI, you can secure motorcycle insurance to stay legal and protected. Speaking with an experienced insurance agent at Insurance Source Solutions, serving Oklahoma, can help you find the right policy and understand your next steps. With the proper coverage, you can keep riding confidently and responsibly.
