Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

In a nutshell...

  • Most states keep DUIs on record for at least three years, and some for as long as ten
  • Your auto insurance rates will certainly rise if you are arrested and convicted of a DUI
  • Sometimes, courts can craft a plan for a truly repentant driver that will allow you to avoid the dreaded DUI conviction

A DUI conviction is costly in more ways than one. If you are arrested and charged with a DUI, you will have immediate costs such as bail, court fees, and fines imposed by the state.

This can be significant; some states have a fine of as much as $1000 for a first offense, although most countries fall in the $200-$500 range.

You may also be liable for court fees; some states charge an “impact” fee to pay for their overcrowded courtrooms. This is before any legal fees if you hire a DUI defense lawyer!

Enter your zip code above to get FREE car insurance quotes today!

What is DUI?

Some companies will cancel your insurance. In fact, this is probably the most common method of handling DUI convictions by insurance companies.

Others will allow you to retain your coverage with their company but will move you to a particular rate section for high-risk drivers.

You may be able to find slightly more affordable rates with these specialty companies; however, your rates will still be far higher than the average prices for your age group.

Many states require you to file a form called an SR-22, which shows that you have insurance coverage sufficient to meet the state liability limits when you are convicted of a DUI.

If you have received a notice to file an SR-22, understand that most car insurance companies will not cover you, and those who do will consider you high-risk and charge you far more for your policy.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

So how much is your car insurance coverage going to increase after a DUI?

While this is a question that is impossible to answer accurately, as every company and every individual is different, some general conclusions can be drawn to show the disparity in rates.

Many experts quote a 20-60 percent increase in rates with a DUI conviction. If we take the median of those figures, at 40 percent, the average driver in the United States, who pays about $1,450 yearly for coverage, would expect to pay $2,030, an increase of $580.

On the other hand, other experts cite $1500 years as the average increase in premiums resulting from a DUI, so the higher of those percentages are probably far more applicable.

Is the annual cost yearly?

Five years is about average for a DUI to “disappear” from your record. “Disappear” does not mean that it will not be on your record; it means instead that the Department of Motor Vehicles stops reporting it to your insurance company.

If your state’s DMV reports for five years, and you have an average premium increase of $1500, you will ultimately pay $7,500 more for your auto insurance over that span of time than you would pay if you had not had the DUI.

If you have been charged with a DUI, there are some things you can do to protect yourself. A DUI lawyer, while expensive, may be able to keep the DUI off your record by pleading you to a lesser offense.

Another way you can help to protect yourself is to show the court that you are willing to do things to teach your remorse and to insure that you will never have another DUI violation.

Enter your zip code below to get FREE car insurance quotes today!