Getting a DUI (Driving Under the Influence) can have serious and long-lasting consequences—not just legally, but financially as well. One of the most significant financial effects is the impact on your car insurance. If you’ve recently been charged with a DUI or are concerned about what could happen, here’s what to expect when it comes to your insurance rates.
Sharp Increase in Premiums
After a DUI conviction, your auto insurance premiums will almost certainly rise. Insurance companies view drivers with DUIs as high-risk, meaning they’re more likely to be involved in future accidents or violations. As a result, your insurer will likely adjust your rate significantly—sometimes doubling or even tripling your monthly premium. The exact increase depends on your driving history, your location, and your insurance provider’s policies.
SR-22 Requirement
In many states, a DUI conviction requires you to file an SR-22 form. This isn’t an insurance policy itself, but a document your insurer sends to the DMV to confirm you carry the required liability coverage. It’s often referred to as “DUI insurance,” and it’s mandatory if you want to reinstate your driving privileges. Unfortunately, filing an SR-22 often comes with additional fees and can limit your choice of insurance providers.
Possible Cancellation or Non-Renewal
Some insurers might decide they don’t want to cover you at all after a DUI conviction. They may cancel your policy mid-term or choose not to renew it when your term expires. This forces many people to seek coverage through high-risk insurance companies, which typically charge more and offer fewer benefits.
Long-Term Financial Effects
The financial damage from a DUI doesn’t end quickly. A DUI can remain on your driving record for several years—typically three to five years, though it can be longer depending on your state. During this time, you’ll likely continue paying elevated premiums. Some insurers might slowly reduce your rates if you maintain a clean record, but don’t expect your premiums to return to pre-DUI levels overnight.
Shopping for New Coverage
After a DUI, it’s a good idea to shop around for new insurance. While your current provider might raise your rates or drop you, others may offer more competitive pricing for high-risk drivers. Comparison shopping can help you find the best possible deal, even with a DUI on your record.
Additional Costs Beyond Insurance
It’s important to note that insurance isn’t the only cost associated with a DUI. Legal fees, court costs, fines, DMV fees, and potential loss of income from license suspension all add up. Some people choose to consult experienced DUI attorneys to help reduce penalties and navigate the legal process more effectively. For example, many California drivers facing DUI charges turn to hartlevin.com for legal support and guidance.
Final Thoughts
A DUI can have a deep and long-lasting impact on your insurance rates. While the road ahead may be financially challenging, knowing what to expect can help you make informed decisions and possibly reduce the damage. Safe, responsible driving going forward is your best strategy to rebuild your record and eventually lower your premiums again.