A DUI (Driving Under the Influence) conviction can impact more than just your driving record — it can cause massive spikes in your insurance rates and make renewals a challenge for years. Whether it was a one-time mistake or part of a past you’re trying to move past, it’s important to understand how a DUI affects car insurance and what steps you can take to reduce the damage.
Immediate Insurance Impact After a DUI
Once a DUI is on your record, insurance companies classify you as a high-risk driver. This can lead to:
- Policy cancellation at renewal
- Rate increases of 50% to 300%
- Requirement to file an SR-22 (in most states)
If your insurer doesn’t drop you entirely, expect your rates to double or even triple at the next renewal.
What Is an SR-22?
An SR-22 is not insurance, but rather a form filed by your insurer to verify you carry the minimum required liability coverage. It’s mandated by your state DMV after a serious offense like a DUI.
| Factor | Detail |
|---|---|
| Required In | Most states after DUI or reckless driving |
| Duration | Typically 3 years |
| Cost to File | $15–$50 (plus high-risk premium surcharges) |
| Where to Get It | Only through insurers who offer SR-22 filings |
Average Premiums After DUI (2025)
| State Example | Pre-DUI Premium | Post-DUI Premium |
|---|---|---|
| California | $1,700 | $4,100 |
| Texas | $1,500 | $3,800 |
| New York | $1,900 | $4,500 |
Note: Rates may vary based on vehicle, coverage level, and the insurer’s risk model.
Recovery Timeline: When Will Rates Drop?
Here’s a general timeline of what to expect after a DUI:
| Time Since DUI | Typical Impact on Rates |
|---|---|
| 0–1 Year | Highest risk level, possible cancellation |
| 1–3 Years | Still classified high-risk, SR-22 in effect |
| 3–5 Years | Gradual decrease if no other incidents |
| 5+ Years | Many insurers may drop the surcharge |
| 7+ Years | Some states expunge DUI from driving record |
The cleaner your record is after the DUI, the quicker your rates can normalize.
Rehabbing Your Driving Profile
Even with a DUI on record, you can start rebuilding your standing with insurers:
✅ Shop Around at Renewal
Some insurers are more lenient after the first year. Consider companies like The General, Dairyland, or Progressive for high-risk drivers.
✅ Take a Defensive Driving Course
Completing a state-approved course can earn you discounts and show insurers you’re serious about safety.
✅ Install a Telematics Device
Usage-based insurance programs monitor your real-time driving behavior. Safe driving can earn you significant discounts.
✅ Ask About “Second Chance” Policies
A few carriers offer forgiveness programs or second-chance policies after a clean 12-month period post-DUI.
Pros and Cons of SR-22 Coverage
| Pros | Cons |
|---|---|
| ✅ Keeps you legally on the road | ❌ More expensive monthly payments |
| ✅ Enables license reinstatement | ❌ Limited number of insurers |
| ✅ Some insurers offer bundling | ❌ Usually no multi-policy discounts |
FAQs
Q1: How long does a DUI stay on your insurance record?
Typically 3 to 5 years, but some states and insurers consider it for up to 10 years.
Q2: Can I switch insurers with a DUI?
Yes — but not all carriers accept high-risk drivers. Use brokers or comparison tools to find those who do.
Q3: What if I don’t file an SR-22 when required?
Your license will likely be suspended or revoked until you provide proof of financial responsibility.