A DUI conviction is one of the most expensive things that can happen to your car insurance. Your rates will increase significantly, and you'll likely need to file an SR-22 certificate. Here's a realistic look at what to expect and how to manage the costs.
How Much Does Insurance Increase After a DUI?
On average, a DUI conviction increases car insurance premiums by 40% to 80%, though increases of 100% or more are common in some states.
In dollar terms, if you were paying $1,500/year before the DUI, you can expect to pay $2,100 to $3,000+/year afterward.
The exact increase depends on:
- Your state — Some states weight DUIs more heavily than others
- Your insurance company — Carriers handle DUIs differently
- Your prior record — A DUI on top of other violations is worse than a DUI on an otherwise clean record
- Whether it was a first offense — Repeat DUI offenses result in larger increases and longer impact
How Long Does a DUI Affect Your Insurance?
A DUI typically stays on your driving record for 3 to 10 years, depending on the state. Most insurers look back 3 to 5 years when setting rates.
The practical timeline looks something like this:
- Years 1-3 — Maximum rate impact. You'll pay the highest premium increase during this period.
- Years 3-5 — Rates begin to decrease, especially if your record is clean otherwise.
- Years 5-7 — Many carriers stop considering the DUI in pricing, though some check up to 10 years back.
- After the lookback period — Your rates should return to roughly normal levels, assuming no other violations.
What Is an SR-22?
Most states require an SR-22 filing after a DUI conviction. An SR-22 is a certificate your insurance company files with the state to prove you carry at least the minimum required insurance. It's not a separate type of insurance — it's a form.
Key facts about SR-22s:
- Required for 3 years in most states (some require 5)
- Your insurer charges a small filing fee ($15-$35, one-time)
- If your coverage lapses, your insurer notifies the state immediately
- A lapse can result in license suspension and restarting the SR-22 clock
- Not all carriers file SR-22s — you may need to switch insurers
For more details, read our complete SR-22 guide.
Will Your Insurer Drop You?
It's possible. Some carriers don't insure drivers with DUI convictions. If your current insurer drops you, you'll need to find a new carrier that works with high-risk drivers.
This is actually where shopping around matters most. Carriers that specialize in high-risk drivers may offer rates that are hundreds of dollars cheaper than a standard carrier's surcharge.
Tips for Finding Affordable Coverage After a DUI
1. Compare quotes from multiple carriers
This is the most important step. Rate differences between carriers for DUI drivers are larger than for standard drivers — sometimes by $1,000+/year.
2. Ask about payment plans
If the upfront cost is a barrier, many carriers offer monthly payment options.
3. Take a defensive driving or alcohol education course
Some states and carriers offer premium reductions for completing approved courses.
4. Consider adjusting your coverage
While you must maintain at least your state's minimum liability limits (especially with an SR-22), you may be able to save by:
- Raising your deductible
- Dropping comprehensive coverage on older vehicles
- Removing optional add-ons
5. Maintain continuous coverage
Any lapse in coverage will make your already-high rates even worse. Set up autopay to avoid accidental missed payments.
6. Drive clean going forward
Every clean year on your record moves you closer to normal rates. A second DUI or additional violations will compound the problem dramatically.
Get Quotes After a DUI
Finding affordable insurance after a DUI takes some effort, but comparing quotes from multiple carriers is the best way to manage the cost. Get your free quotes on Quorrio — we show options from carriers that work with high-risk drivers.