How a DUI Affects Your Car Insurance

A DUI will affect your driving record, but it also impacts your car insurance. You can expect to pay more going forward. Learn more here.
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There’s no way around it, a DUI will drastically affect your car insurance. Most insurance companies will see you as a high-risk driver and increase your auto insurance rates. Or an insurer could even cancel your insurance altogether.

Though you’ll pay more for insurance going forward, you have some options. The first thing you can try to do is look for a company that offers the best car insurance rates for drivers with DUIs. In this article, we’ll help you understand what’s next for your auto insurance after a drunk driving conviction.

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What is a DUI?

A DUI stands for driving under the influence. You may also see it as driving while intoxicated (DWI), operating while intoxicated (OWI), and other state-specific names such as DUII in Oregon and DWAI in Colorado. You can get a DUI violation if you use drugs or alcohol that harm your ability to safely drive a vehicle. Driving while under the influence can result in serious injury to yourself and others, damage to your car and property, and other avoidable costs.

In most states, you’ll receive a DUI conviction if you drive with a blood alcohol content (BAC) of 0.08. Sometimes, you could even get a DUI charge for a lower BAC. In that case, the prosecution must prove with other evidence that you were under the influence of drugs or alcohol.

Expect the following if you get a DUI:

  • It’s going to be expensive. DUIs make you a high-risk and raise your auto insurance rates. Many factors go into your auto rates, but a DUI is almost certain to inflate them.
  • It might be hard to find coverage. Aside from expensive rates, some companies might refuse to offer you a policy after a DUI conviction.
  • You could lose your license. A DUI could lead to a possible license suspension or revocation, depending on the severity of the offense. Suspension length will vary by state.
  • You could go to jail. You’re likely to see some jail time if you get a DUI/DWI in most states.

How a DUI Affects Your Car Insurance

Your auto insurance rates will skyrocket if you get a DUI. Many insurers are likely to cancel your policy after a drunk driving offense, forcing you to go out and search for a new policy. Beyond that, you could have trouble finding an insurance company willing to offer you coverage. And if you do find a company that’ll insure you, it’ll be expensive.

Though lots of things decide your rates, such as your zip code and yearly mileage, your driving record is one of the most important. The Insurance Information Institute (III) cites a bad driving record as one of the top reasons some drivers can’t find auto coverage.

Most companies don’t like to insure drivers with DUIs because they appear to be at a high risk to cause an accident. Since a DUI is one of the most severe offenses you can get on your record, just one will make it hard to get any standard insurance. Below are some options for people with DUIs:

High-Risk Insurance Companies

One of your best bets if you can’t get traditional insurance is to try to get a high-risk policy. Also known as non-standard insurance, some insurance providers offer policies only for high-risk drivers. Prices can vary, but you’ll likely still face increased prices for high-risk insurance after a severe offense such as a DUI.

Below is a list of companies that offer high-risk insurance for people with DUIs:

These are just some companies that offer insurance for high-risk drivers, including those with a DUI conviction on their record. If you’d like to know which of these high-risk insurers is best, check out our article on the best car insurance for a bad driving record. In it, we look at the largest well-known insurance companies that cater to high-risk drivers with a DUI on their record.

State-Assigned Risk Pools

Another option for car insurance if you get a DUI is to enter a state-assigned risk pool. This exists to allow drivers with serious offenses (DUI/DWIs, reckless driving, and more) to get minimum coverage. Upon entering the pool, your state would assign you to an insurance company that takes part in the pool. Even if your driving record is bad, one of these companies must still offer you car insurance. Be aware that you can expect to see much higher prices in the pool because of your overall risk.

Contact your auto insurance agent to find out more about your state’s assigned risk pool. They’ll be able to tell you your next steps if you want to enter a high-risk driver auto insurance pool. Remember that this is often a last-ditch effort if you’ve been denied car insurance because of your high-risk status.

What is an SR-22?

You might need to file an SR-22 form with your state if you get a DUI. Some people mistake an SR-22 as a type of insurance, but it’s really a form your insurer gives you to send to your state that certifies you have the minimum amount of liability coverage.

Sometimes your state may require you to have an SR-22 for up to five years following a DUI or other severe driving violation. Your insurance company will also often help you through the filing process if your court or state requires an SR-22.

Total Cost of a DUI

Mistakes are common when driving, but a DUI is an especially costly one. The impact on your insurance premium is huge, but that’s not all. While the total cost of a DUI largely depends on your situation, you’ll also likely face expensive legal fees, repair costs, lost time at work, and more.

The cost of a DUI could include things like:

  • Sky-high insurance prices
  • Fines
  • Legal fees from hiring a lawyer
  • Time lost at work from going to jail, appearing at court, or injury
  • Bail
  • Towing and impound costs

How Long Does a DUI Stay on Your Record?

A DUI will stay on your driving record for about three to five years, and sometimes even longer depending on your state. For example, California keeps drunk driving convictions on your record for 10 years. Keep in mind that your driving record is not the same thing as your criminal record. Though a DUI can go off your driving record after roughly three years, it could be a permanent blemish on your criminal record.

Your insurance will be expensive as long as a DUI exists on your driving record. In the meantime, it’s in your best interest to get the deal possible. We recommend comparing insurance quotes to find the right auto insurer for you, even if it seems hard to get coverage.

How Much Will My Car Insurance Cost After a DUI?

How much your car insurance prices increase after a DUI will depend on several factors. This can include, but isn’t limited to:

  • Your age. Younger drivers under 25 and older drivers above 60 are often seen as higher-risk.
  • Your past driving record. Your rates could go up more if you have a driving history full of tickets, accidents, and more DUIs.
  • Where you live. Your rates could increase if lots of accidents or DUIs occur in your city/state.
  • Your credit rating. A bad credit score will increase your insurance along with a DUI.
  • Your insurance record. A troubled insurance record with a history of not paying on time or not following your insurer’s terms will lead to higher prices.

It’s also important to note that not every insurance company will increase your prices at the same rate after a DUI. Some companies will give you better prices than others. It might be worth your while to start fresh with a new insurer if you’re not getting the deal you want.

Frequently Asked Questions

Q: How long after a DUI does your insurance go down?

A:  A DUI can stay on your driving record for three or more years. You can expect your rates to decrease once your DUI is off your record. Remember that many things affect your rates. A DUI is a big part, but other things such as your zip code, type of car you drive, and more can affect your auto insurance rates.

Q: Will my insurance drop me after a DUI?

A:  Your insurer is very likely to cancel your policy after a DUI charge. Some, like Progressive, won’t. But expect the worst to happen if you get a DUI.

Q: How much is auto insurance after a DUI?

A:  The short answer—expensive. After getting a DUI, insurance providers will label you a high-risk driver and will increase your prices. You could see even higher prices than most if you already have a bad driving record, too.

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