A DUI or DWI is one of the most expensive marks you can put on your driving record.
The premium impact
- Rates commonly increase 70-100% or more.
- Many carriers reclassify you as high-risk.
- Your insurer may decline to renew your policy.
You may need an SR-22
Most states require an SR-22 certificate proving you carry minimum coverage, usually for about three years.
How long it lasts
A DUI typically affects your insurance rate for three to five years, though it can stay on your driving record far longer. The surcharge fades over time if you avoid new violations.
How to limit the damage
- Shop carriers that specialize in high-risk drivers.
- Keep coverage continuous to avoid restarting penalties.
- Take a defensive-driving course if your state allows a credit.
- Re-shop every renewal as the surcharge declines.