A DUI conviction dramatically increases your car insurance rates. Here's what to expect and how to manage the costs.
Average Rate Increase
On average, car insurance rates increase 65-80% after a DUI. Some insurers may increase rates by 200% or more. The average DUI driver pays an additional $1,500-$3,000 per year.
How Long Does It Affect Rates?
Most insurers consider DUI convictions for 3-5 years, though some check back 7-10 years. The impact on your rates diminishes over time.
SR-22 Requirements
Most states require SR-22 filing for 3 years. Your insurer charges a small fee ($15-$50) to file, but the real cost is the high-risk classification.
Tips for Lower Rates
Shop around (rates vary significantly between insurers), increase deductibles, bundle policies, take defensive driving courses, and maintain a clean record going forward.
Insurers That Accept DUI Drivers
Progressive, GEICO, State Farm, and specialty high-risk insurers like The General and SafeAuto often offer competitive rates for DUI drivers.