How DUI Affects Car Insurance Renewal Rates

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

a man sitting in a car talking on a cell phone

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.