How Long Does A DUI Affect My Auto Insurance Rates?

auto insurance after dui
The best Santa can do is plea bargain & shop around for lower auto insurance rates.

Driving under the influence of alcohol is a serious offense, no matter what state you live in. Unfortunately, auto insurance rates tend to skyrocket once this offense goes onto your record. Anything that can be leveled against you probably will be, as you have now proven yourself to be a risky driver.

How Long Will A DUI Affect Insurance Rates?

The length of time a DUI stays on your record will depend upon your state’s laws. For instance, California requires a DUI to stay on one’s record for 7 years. New York auto insurance companies keep track of this conviction for 10 years. In Alaska, a DUI stays on a driving record forever. Generally, the car insurance premium rate hike takes place at your next renewal period.

Each Auto Insurance Company Is Different.

Some will increase your rate for just 3 years, while others will hold the offense against you for the full 7-10 years. According to Carole Walker of the Rocky Mountain Insurance Information Association, “If you get a DUI conviction, it will likely affect your insurance rates for (at least) the next three to five years.” Even after that, she says you can expect at least five years of perfect driving before reaching preferred status with auto insurance providers again.

The best thing to do after a DUI is to search for a new auto insurance provider to access the most competitive rates.