Drunk driving is illegal in all fifty states. While laws and specific penalties vary state by state, we can all agree that driving under the influence is a dangerous and destructive practice. From fines to suspension of your license, and even jail time, there are numerous consequences to choosing to get behind the wheel while impaired. A few beers may seem harmless, but a DUI (driving under the influence of drugs or alcohol) could have lasting impact - especially on your car insurance. If you’ve ever Googled, ‘How long does DUI affect insurance,’ you may be surprised by the answer. Since driving while impaired is considered severely risky behavior, it is common for insurance rates to skyrocket after a DUI.
Read on to discover how a DUI could impact your car insurance rate and how a trusted provider like Infinity Insurance Agency (IIA) can help.
What is a DUI, DWI, and OWI?
Depending on what state you live in, you may be issued a DUI, DWI, or an OWI.
- A DUI stands for driving under the influence of alcohol or drugs
- A DWI stands for driving while intoxicated
- An OWI is operating under the influence
All of these are convictions for driving after consuming alcohol and/or drugs. Specifications for DUI, DWI, and OWI vary from state to state, in some states DUI and DWI are used interchangeably.
Initial consequences
The initial consequences of a DUI or DWI conviction depend on many factors, including the severity of the incident but can include:
- Steep fines
- License suspension
- Substantial payouts
- Points on your license*
- Denial of security clearance
- Possible jail time
- An increase in insurance premiums
*Driver’s license points are added to your record when you are convicted of a moving violation. The number of points will be determined by the seriousness of the conviction. Since a DUI is a major violation, it can likely result in many points.
Wondering how long it takes after a DUI for your insurance to go down? The answer is anywhere from 3 to 7 years. While your provider will not be immediately notified of your conviction, they will find out at your next policy renewal or if you are being asked to file an SR-22. Since driving while under the influence greatly impairs your judgment, coordination, and reaction time it is considered inherently dangerous and reckless behavior. These diminished skills lead to a greater likelihood of an accident, which makes insurance companies see you as a greater risk and thus, charge you a higher premium.
You can expect your insurance rates to significantly increase after a DUI. Premium increases will vary state by state depending on laws, your policy carrier, and other personal factors. Average DUI premium increases have been reported to range from 60-80%.
Some examples of average rate increases based on different states and insurance providers are as follows*:
- Arizona - average annual premium with a DUI increases by 110%
- California - average annual premium with a DUI increases by 156%
- Delaware - average annual premium with a DUI increases by 95%
- Illinois - average annual premium with a DUI increases by 78%
- Texas - average annual premium with a DUI increases by 53%
- New York - average annual premium with a DUI increases by 61%
- Florida - average annual premium with a DUI increases by 54%
*Data from Bankrate
A DUI conviction will cost you more than just a hiked-up premium. As a DUI is a legal offense, be prepared to pay out of pocket for fines, court costs, and other legal expenses. Depending on your state of arrest, specific lawyer fees, bail, and bond, you can expect to pay anywhere from $10 to 25,000 for your DUI.
What is an SR-22?
After a conviction such as DUI or DWI, you may be required to file an SR-22. An SR-22 is not insurance coverage, but a statement of financial responsibility you may need after a serious driving violation. This form certifies that you will carry the minimum insurance coverage required by your state. There are three different types of SR-22: operator, owner, and operator/owner. If you are being asked to file an SR-22 (or FR-44, in Virginia and Florida) you will need to contact your insurance company. If your insurance provider does not carry this service or cover high-risk drivers, you may need to switch providers.
How to proceed if charged with a DUI
It is advisable to secure attorney representation after being charged with a DUI. Due to the complex legal and financial ramifications, it can be useful to obtain professional assistance.
How long does a DUI affect insurance?
Getting behind the wheel while drunk is a hasty decision that could affect your driving record for years to come. As previously mentioned, depending on your state, you can expect a DUI conviction to stick around for 3-10 years. A DUI increase on your insurance premium will usually last anywhere from 3 - 7 years. The two factors that are considered when determining the duration of your rate increase are how long the conviction will remain on your record and how far back in time the insurance companies are permitted to look back when setting your rates. Both factors are determined by your state’s legislation. Thankfully, there are steps you can take to manage and even potentially reduce your increased premium rates.
Long-term effects and management
Even after your conviction is wiped from your record you could be left dealing with the consequences of a DUI. For example, in California, the DUI surcharge could be taken off your record, but you will not be eligible to receive a 20% good driver discount until 10 years after the incident. If you live in a state where providers are allowed to look back for a longer period, your DUI could affect your rates longer than the surcharge period. However, depending on your state of residence you can take steps to expunge your record. By completing tasks such as probation, not serving time in prison, and filing a petition, you may be able to remove a DUI conviction from your criminal record.
Strategies to mitigate higher rates
Looking to reduce your increased premium post-DUI? An increase in your insurance rate after a conviction may be inevitable, but you can take the following steps to mitigate these hikes and keep your premium as affordable as possible:
- Shop around for better rates - After your DUI, it pays to do some premium research and shop around. Different carriers all have their underwriting guidelines. Comparing quotes can help you choose the most affordable rate for your situation and coverage needs.
- Keep a clean driving record - While you can’t undo the immediate effects of your DUI, you can strive to avoid future incidents and tickets. Maintaining a clean record can help lower your rates over time.
- Bundle your policies - One of the most impactful ways to lower your insurance increase is to bundle your policies. Check in with your provider to see what discounts they offer for combining your home, auto, or business insurance.
- Take advantage of discounts - Many providers offer a wealth of discounts that can help you put a dent in your raised premium. You may be able to save on coverage through a multi-car discount, a mature driver improvement course, or by paying for your insurance upfront. Other useful car insurance discounts include the safety features discount or going paperless. With a safety features discount, you could save just by driving a vehicle equipped with anti-lock brakes or an anti-theft system.
How Infinity Insurance Agency Inc. (IIA) can help
The aftermath of a DUI or DWI can feel terrifying. You may be juggling legal fees, fines, or even possible jail time. Managing insurance may be the last thing on your mind, but it is essential to stay on top of your coverage. Look to a trusted provider that will work with high-risk drivers and remember that come renewal time, your premiums will most likely increase.
If you are looking for support post-DUI conviction or are just curious about your coverage options give IIA a call at 1-855-478-3705.