Car Insurance After A DUI

car insurance after a dui, A DUI (driving under the influence) conviction bears severe consequences, notably escalating car insurance rates.

On average, drivers with a DUI expect a staggering 70% surge in insurance costs compared to those with clean records. This financial strain poses significant challenges, particularly for individuals heavily reliant on their vehicles.

Effects on Car Insurance Rates

Insurance companies perceive a DUI conviction as a high-risk indicator, prompting substantial increases in car insurance premiums. The precise hike varies based on the insurer, driving history, and state laws. Nonetheless, the post-DUI average increase hovers around 70%. In severe cases involving multiple DUIs or accidents while under the influence, insurers might terminate coverage.

Duration of a DUI on Your Record

A DUI conviction remains on record for a minimum of three years, but certain states might retain it for up to a decade. Consequently, elevated insurance rates persist for several years post-conviction.

Tips for Accessible Car Insurance Post-DUI

Despite the challenges, affordable insurance post-DUI is attainable. Consider the following:

Compare quotes: Obtain quotes from multiple insurers to identify competitive rates.

High-risk insurers: Explore insurers specializing in high-risk driver coverage, potentially offering better rates than conventional companies.

Leverage discounts: Many insurers offer discounts for completing defensive driving courses or installing anti-theft devices.

Adjust deductible: Raising the deductible lowers monthly premiums, but ensures you can afford the deductible in case of an accident.

Non-owner policy: Opt for a non-owner policy if you don’t own a vehicle. It covers instances when you borrow or rent a car.


A DUI conviction invariably amplifies car insurance expenses. Nonetheless, proactive measures such as rate comparisons, discount utilization, and deductible adjustments mitigate the financial repercussions.

Additional Information

– National Highway Traffic Safety Administration (NHTSA): []
– Insurance Information Institute (III): []