How Long Does A DUI Charge Affect Your Car Insurance?

Driving under the influence of alcohol is never a good idea. Research shows that drivers with a blood alcohol content (BAC) of 0.09 or higher are 11 times more likely to be involved in a fatal crash. Considering that your auto insurance rates are largely determined by your risk level, when a broker sees a driving under the influence (DUI) charge on a your record, it’s going to make them think twice about insuring you!


Read on as Capital Insurance Brokers talks about the consequences that a DUI charge will have on your auto insurance, and how long these consequences will stick around.

0-3 Years

Immediately following an impaired driving conviction, it’s common to not be able to get insurance at all for up to three years. Why? Because insurance companies believe an impaired driver is more likely to be a repeat offender, and they don’t want to assume such a high risk client.

3-10 Years

After three years, you’re likely to be able to get auto insurance again; however, be prepared for a much higher premium. Some drivers will see their rates increase by 100% after a DUI conviction. After five years, you’ll probably start to see your rates decrease slightly. By getting quotes from a couple different places, you can make sure you’re getting the best price possible.

10+ Years

Finally, after 10 years, your insurance rates should be back to their pre-conviction price, assuming that you haven’t had any other convictions or violations during that time.

A DUI charge can affect your auto insurance rates for up to 10 years. If you’re dealing with an old DUI charge, a chat with Capital Insurance Brokers can help you determine what options are available to you. Give our team a call today!