Your best insurance option after a DUI depends on your state (and individual needs). Even more, DUI/DWIs can impact your insurance for up to 3-5 years. The worst part? On average, insurance premiums increase by 1.86x (85%). Fill out a fast, free form to check your cheapest insurance rates (after a DUI), today!
Almost always, yes. That's the bad news.
Insurance companies account for risk. DUI convinctions carry higher risks. You're also ineligible for safe (and good) driver discounts. This ultimately costs you (in the long run).
Some discounts you are still eligible for with a DUI:
The state you live in is the main factor in determining how long a DUI will stay on your record. On average, expect a DUI to stay on your record for 3-5 years. However, some states such as California, will leave the DUI on your car insurance record for up to 10 years. DUI's are not taken lightly and can affect your insurance rates for years, even a decade or more.
How much your car insurance rate increases after a DUI varies on the state but on average expect a 1.86x increase. Below are some of the highest and lowest rate increases by state to give some guidance. Don't see your state? Fill out our online form to get an exact quote here.
Here are the highest rate increases after a DUI:
Here are the lowest rate increases after a DUI:
Find the best DUI insurance by shopping around. The biggest contributing factors to the price you pay are:
Keep an open mind while pricing both large and small companies. Usually, working with a local insurance company can give you the best rate and flexibility. Some insurance companies advertise working with DUIs. DUI- specific insurance can provide you with a better deal in some cases.
Receiving a DUI will affect your insurance rates greatly. Your best insurance option after a DUI will depend on your state and individual needs. You need to be prepared to shop around to find the best deal.