Being found guilty of driving under the influence (DUI) carries a variety of negative consequences, with the fines and penalty points being the most obvious. While these are often the more severe punishments, what many drivers may not have thought of is the effect it will have on their insurance.
Typically, drivers convicted of a DUI will face an increase in their insurance premiums by 80%, although this can vary wildly. Much of this is driven by the state that you’re in, as well as the particular insurance company that you’re with.
There can be other factors at play, and drivers can minimize this potential impact. While you should expect a higher premium, much of this increase can be avoided under certain circumstances.
As a result, it’s worth looking at what these factors are, as well as how you could be affected after receiving a DUI.
DUI, OUI, DWI, OVI
Before we look at how drunk driving violations can affect your license and insurance, we should ensure that everybody is on the same page with what constitutes a violation. While a DUI is the most obvious, there are a few other legal terms that you should be aware of.
The first of these is ‘operating under the influence’ (OUI), while ‘operating vehicle intoxicated’ (OVI) and ‘driving while intoxicated’ (DWI) are terms that can be used. These are common across many states and are often used interchangeably for drunk driving.
In some states, there can be key differences between a DWI and a DUI. This is especially the case where recreational or medical marijuana is legalized. DWI will be used to refer to people who have been caught drunk driving, while DUI will focus on anybody under the influence of marijuana or any strong medication.
In a few states, DWI and DUI will be separate charges, with a DUI being the lesser charge. For the sake of simplicity, we’re using DUI as a catch-all term for the convictions, as each of the above will affect your vehicle insurance in much the same way.
Will I Lose My License After A DUI?
This is one of the biggest questions that many drivers will have. Typically, you should expect to lose your license for between three and six months. There are two ways that this will be done, with the first being that a court will order for your license to be suspended or revoked.
Alternatively, the state department of motor vehicles will revoke or suspend the license. The exact amount of time that it will be suspended or revoked for can depend on the severity of the crime itself, i.e., your blood alcohol level and how poorly you were driving.
First-time offenders should expect to get their license back after 90 days, although this depends on local laws. There may be a variety of conditions and restrictions may be placed once you have gotten your license back.
For example, some drivers may be able to drive to and from work for a certain period. This can vary wildly from state to state, and possibly even from judge to judge. Repeat drivers will have their license suspended for longer periods, with this eventually culminating in their license being revoked.
As a result, they shouldn’t be allowed drive for several years afterward, if at all. This can depend significantly on the case itself, as well as state and local laws.
Should you refuse to take a blood-alcohol level test when questioned, such as through a blood test or a breathalyzer, your license will be automatically suspended. This will be done regardless of the results of the case.
This means that it’s recommended that you comply, regardless of whether or not you’ve been drinking.
The Cost Of Car Insurance With A DUI
There’s no trick to avoid a hike in insurance premiums after you’ve been convicted of a DUI. This is because insurance companies will see you as more of a risk while driving, as they believe that you’ll be more likely to have an accident.
This increased risk means that it may be more likely that they’ll have to pay out on a policy. To cover for this extra risk, they’ll subsequently charge you more. On average, you should expect a jump of about $1,163 per year, although this changes drastically depending on where you live and which insurance company you work with.
In some cases, you can expect your premiums to double. According to most studies done on the topic, the jump in insurance rates for DUI drivers ranges from 28% to 371%. This is just for one DUI, so if you’ve accumulated several of them in recent years, then you can expect it to roughly double or triple again.
The Difference In DUI Insurance By State
The state that you live in can play quite a substantial role in how much of a jump that you’ll see in your premiums. Like many other things, certain states are known for having much higher rate jumps than others.
North Carolina, Michigan, and Hawaii are the top three for largest rate hikes, with 371%, 249%, and 208%, respectively. Rounding out the top five are California and Arizona, which both add an average of 186% and 145%, respectively. New Jersey narrowly missed out on this with a rate hike of 132%.
Maryland offers the lowest jump in insurance rates at 28%, while Indiana and Maine come joint second-lowest in this ranking, with both having a 37% hike. Rounding out the rest of the bottom five are Vermont and Oklahoma, which both add 41% and 44%, respectively.
Each of the other states has rate hikes of between 45% and 88%, with Nevada taking the higher spectrum of this range, and Nevada taking the lower end. On average, these counties seem to average in the mid-60% range.
However, it’s recommended that you look at the typical increases in your particular state to get a more accurate picture of what you might have to pay.
How To Get Cheap DUI Insurance
Each of the above jumps in premiums will lead to many people wondering how to find cheap DUI insurance. While there’s no such thing as this, there is insurance that shouldn’t be as expensive as others, although you’ll need to put the time and effort into finding in.
The easiest way to do so is by shopping around. This is because different insurance companies will rate risk differently. This is highlighted by the fact that some companies will simply avoid DUI clients, while others will specialize in them, though many others will fall into the middle of these two views.
Shopping around will be the only way to see where you’ll find the cheapest insurance. As difference providers will rate the risk differently, you’ll be able to collect a variety of quotes to determine which is the best one for you.
In many states, larger insurance companies will have specialized divisions that will deal specifically with drivers who have poor records. These will be people who they deem high-risk or non-standard, and they may have cheaper DUI insurance rates than other providers.
Because of this, it’s worth getting a quote from them before making your decision. Some of the more well-known providers include:
- The General, which is a subsidiary of American Family;
- Dairyland Insurance, a branch of Sentry Insurance, and;
- Titan Insurance, which is a division of Nationwide.
How Long Does A DUI Stay On A Driving Record?
How long a DUI stays on your driving record can vary from state to state, although you can typically expect that it will remain for about five years. There are a few states that go much farther than this, however, such as New York and California, where it will be visible for a decade.
Alongside this are states such as Iowa, where a DUI will stay on your driving record for 12 years. As it can vary so dramatically, you should check local and state law to determine how long it will affect you.
How Long Does A DUI Affect Insurance Rates?
Similar to the DUI itself, this can vary wildly from state to state. However, you should typically expect that the DUI will affect your insurance rates for as long as it stays on your driving record, i.e., five to 12 years.
This doesn’t mean that you shouldn’t be able to bring your premiums down during this time. Instead, an insurance company should take your driving since you were convicted into account when determining these rates.
As a result, you should pay a particular amount of attention to driving safely after you’ve been convicted of a DUI. While there’s the apparent reason for not breaking the law again, it also means that you’ll see your insurance premiums become increasingly more affordable over time.
This also means that you should eventually see your premiums come back down to what they were before you received the DUI, and possibly even lower.
How To Keep Your Car Insurance With A Suspended License
Your license will typically be suspended after a DUI, which means that you should expect to be off the road for a significant period. Depending on the case, this could be a year or more. Should you not renew your insurance during this time, then it could have a large impact on your premiums. This is especially true when coupled with the DUI itself.
One of the larger aspects that an insurance company will look at when determining a quote is continuous coverage. As a result, if your insurance has lapsed for any period, then you should expect to see a jump in price.
This means that you should ensure that you keep your insurance while you’re off the road, although this may be difficult. There are few companies who will maintain a policy when a driver is off the road, especially in the wake of a DUI, which means that you may need to shop around for a provider.
When you’re doing so, you should also see if they will cover another driver in your car. This is because you may end up requiring that a friend or family member drive you around at times, which is something that you should factor into your insurance.
Though this may seem like a minor factor, it’s something that many providers may not cover, and which may affect your premium.
While keeping your insurance when you’re not driving may seem like a waste, this can save you a significant amount of money in the long-term, which is why it’s recommended.
What Is An SR-22?
When a driver has a DUI or has been convicted for driving without insurance or reckless driving, then they will need to have insurance policies that are higher than state minimum coverage limits. These minimum policies will need to be proven before a driver can have their license back.
This is where an SR-22 comes in, although many drivers may not know what they are. Simply put, this is a document that an insurance company will file with the state to prove that you have a certain level of insurance.
Should your insurance be canceled or lapsed, then a provider will revoke the SR-22, which will subsequently impact your driving license, and may lead to another suspension. You should inform your provider when you need an SR-22, as not all companies file it with the state.
Non-Owner SR-22 Insurance
SR-22 typically only covers drivers who own their vehicle. This can present an issue for drivers who need the document but don’t have a car, although there are a few ways around this.
The most notable of these is to file for Non-Owner SR-22 insurance, which will allow you to keep your current coverage while being relatively affordable. It should be noted, however, that this only offers liability coverage; as a result, it’s not as comprehensive as other policies.
The main reason that non-owner SR-22 insurance is much more affordable is that providers expect that you shouldn’t have regular access to a car. This means that there should be considerably less risk involved with covering a particular driver.
General Questions About DUI Car Insurance
This section covers general questions people have about DUIs and car insurance.
What is DUI insurance?
DUI insurance is a specialized car insurance product that people may need after they’ve been convicted of a DUI.
Where to get car insurance after a DUI?
The best place to get car insurance after a DUI is through specialized insurance providers that focus on high-risk customers.
How to get insurance after DUI?
You can get insurance after a DUI by searching for high-risk car insurance in your area. This will give you a list of insurance companies that are more likely to cover you.
How far back does insurance check for DUI?
The amount of driving history that insurance companies can use to set your rates depends on the laws in your specific state.
DUI’s and Car Insurance in Specific States
We’ll answer the most common questions about DUI insurance in specific states in this section.
How long does a DUI affect your insurance in Florida?
Depending on your specific circumstances, a DUI will affect your insurance price in Florida for between 3 and 5 years.
How long does a DUI affect insurance in California?
California allows insurance companies to factor DUI convictions into rate pricing for up to 10 years after the conviction.
How long does a DUI affect your insurance in Georgia?
Georgia law allows a DUI conviction to affect the cost of your insurance for up to five years.
How long does a DUI affect your insurance in Virginia?
Depending on your specific circumstance, a DUI will stay on your Virginia driving record for up to 11 years.
How long does DUI affect insurance in Michigan?
A DUI conviction will impact your insurance cost in the state of Michigan for three to five years, depending on your specific situation.
How long does a DUI affect your insurance in Colorado?
Colorado state law allows insurance companies to factor DUI convictions into your rate for five to seven years.
How long does DUI affect insurance in PA?
PA allows for a DUI lookback of up to 10 years for auto insurance companies.
How long does a DUI affect your insurance in Massachusetts?
Massachusetts DUIs will affect your insurance prices in the state for up to five years according to state law.
How long does a DUI affect your insurance in NJ?
Depending on your insurance company and specific driving record, a DUI will affect the cost of your insurance for three to seven years in NJ.
How long does a DUI affect your insurance in NY?
NY law allows a DUI to affect the cost of your auto insurance for up to 10 years.
How long does a DUI affect your insurance in Ohio?
Your insurance prices will be affected by a DUI conviction in Ohio for five to seven years, depending on the specifics of your case.
How long does a DUI affect your insurance in Wisconsin?
Depending on the situation involved in your specific case, Wisconsin drivers will see their insurance affected for about five years from a DUI.
How long will a DUI affect my insurance in Texas?
Texas law requires you to have high-risk SR-22 insurance for at least 2 years after a DUI conviction.
Do i have to have DUI insurance in Arizona?
That depends on the specifics of your case. You should ask your lawyer what your requirements are regarding your DUI conviction and insurance.
Does my insurance go up after a DUI in Hawaii?
Yes, your insurance will go up substantially after a DUI in the state of Hawaii. The exact amount will depend on lots of other factors.
How does DUI affect insurance SC?
You should expect a rate increase of 50% to 100% for a DUI in SC. The exact amount varies based on your driving record and other factors.
How long does a DUI affect your insurance in Illinois?
There’s no specific drop off date for DUIs and car insurance in Illinois, but most people see a rate drop after three years.
How long does a DUI affect your insurance in Indiana?
There’s no specific falloff date for DUIs in Indiana. Most insurance companies will take DUIs that are less than five years old into account when setting prices.
How long does a DUI affect your insurance in KY?
A DUI will stay on your KY driving record for at least five years and could be longer depending on other factors.
How long does a DUI affect your insurance in Minnesota?
Minnesota keeps DUI convictions on your driving record for insurance companies for at least 10 years.
How long does a DUI affect insurance in Montana?
Montana drivers can expect their car insurance price to be affected by a DUI for at least three years after conviction.
How long does DUI affect insurance in KS?
Insurance prices for KS drivers will be higher for three to seven years after you’re convicted of a DUI.
How long does DUI affect insurance in Louisiana?
Louisiana drivers will have their insurance costs affected by their DUI conviction for 3 to 7 years after the event.
How long does DUI affect insurance in Nebraska?
Nebraska has a DUI lookback period of up to 15 years. However, your prices may no longer be affected after 3-5 years, depending on your case.
DUI Car Insurance Prices
This section will help you understand how pricing works for DUI car insurance.
How much does insurance go up after DUI?
There’s no set formula for the amount insurance goes up after a DUI. It depends on the nature of your conviction, past driving history, past convictions, and so on. Generally, you should expect a 50% to 100% increase in insurance costs.
How much does insurance cost after a DUI?
The exact cost of insurance after a DUI depends on lots of additional factors. You should expect to pay between 50% and 100% more than you did previously for the first 3-5 years of insurance after a DUI.
How much is car insurance with 2 DUIs?
Car insurance with 2 DUIs is going to be very expensive, at least twice what you paid before the first DUI. You’ll need to find an insurance provider that specializes in high-risk drivers.
How high does insurance go after a DUI?
There’s no upper limit to how much your insurance can go up after a DUI. The exact rate increase depends on your other driving history and the circumstances around your case.
How can I lower auto insurance premiums after a DUI?
There are several good ways to lower auto insurance premiums after a DUI. Certified driver training classes, a slower, safer car, and multi-policy discounts are all good options.
DUI Car Insurance Reporting and Coverage
We’ll cover questions about DUI car insurance reporting and coverage in this section.
How do insurance companies find out about DUI?
Insurance companies find out about a DUI because it is reported to them by the state once you are convicted.
How long does a DUI stay on your insurance?
The exact amount of time a DUI can affect your insurance is governed by the laws of the state you live in. You’ll need to check for your specific state.
Do car insurance companies cover DUI accidents?
Most car insurance companies will cover DUI accidents, but you should always check your specific policy to see if there are any exemptions.
Should I report DUI to insurance company?
You should ask your lawyer on the best steps to handle your car insurance situation when you’ve been charged with a DUI. You may or may not want to report depending on your chances of getting your charge reduced or dismissed.
Does insurance pay for DUI accidents?
In most cases, yes. However, you should review your insurance policy to see what, if any, exemptions for coverage are included in your agreement.
Will my insurance drop me after a DUI?
It’s possible, but it depends on several factors. Your insurance may not drop you, but you should expect a substantial rate increase.
Does DUI diversion affect car insurance?
That depends on the laws in your state. You’ll need to contact your lawyer for more information about your situation.
Can insurance deny claim for DUI?
Sometimes, yes. It depends on state laws and the wording of your insurance policy. Check your policy agreement for more information.
Is your insurance company notified when you get a DUI?
Your insurance company will be notified when you are convicted of a DUI. The disclosure laws for people charged with a DUI vary from state to state.
Will insurance pay for DUI wreck?
In most cases, yes. However, there are some policies that have exceptions for DUI-related costs. You should talk to your insurance company or review your policy for more information.
Can insurance deny coverage for DUI?
In some cases, yes. However, there are limited scenarios where this is the case. You should review your insurance policy agreement for more information.
Does collision insurance cover DUI?
In many cases, yes. However, some insurance companies include exceptions for DUI-related accidents. Your insurance policy document will tell you more about your situation.
DUI Insurance and Specific Companies
This section answers the most popular questions people have about DUI car insurance and specific companies.
Does Farmers Insurance cover DUI accidents?
Yes – Farmers will cover DUI accidents up to the limits on your policy. However, insurance laws change from state to state, so check with your agent to verify your coverage.
Does Progressive insurance cover DUI accidents?
Yes, you’ll get coverage up to your medical and property damage limits for DUI accidents with Progressive insurance in most cases.
Does USAA insurance cover DUI accidents?
In most cases USAA will cover DUI accidents up to the limits for medical and property damage liability listed in your policy.
Does State Farm insurance cover DUI accidents?
State Farm insurance will, in most cases, cover DUI accidents up to the amounts outlined for property damage liability and medical damages in your policy.
Other DUI Car Insurance Questions
We’ll cover questions that don’t fit into our other sections here. Check this category if you can’t find your question elsewhere.
Does a DUI affect gap insurance?
Not in most cases – GAP insurance is mostly affected by the overall value of your car and what you owe on it rather than driving record.
Does 20-year-old DUI require sr22 insurance?
Probably not, but you should check with your lawyer or the Department of Driver Services in your state to find out about your specific situation.
Does gap insurance cover DUI crash?
Gap insurance will most likely cover the cost difference between what you owe and your insurance payout in the event of a DUI crash, but you should check your specific gap insurance policy to be sure.