how long after a dui does your insurance go down

If you got a DUI, you’re probably worried about how it’ll affect your insurance costs. Unfortunately, the answer to the question “how long after a DUI does your insurance go down” is not simple. Several factors can influence how much your insurance rates will increase after a DUI and how long your premiums will take to go back down. In this article, we’ll look at how a DUI affects your insurance rates, what makes the rates go up, and when they might go down.

Factors That Influence Your Insurance Rates After a DUI:

A DUI can affect your insurance rates differently based on various factors:

Your age:

Younger drivers usually pay higher insurance premiums compared to older drivers. If you’re under 25 and get a DUI, your rates may increase even more than someone over 25 with the same conviction.

Your driving history:

If you have an account of traffic violations, accidents, or DUIs, your rates may increase more than someone with a clean driving record who gets a DUI.

Your location:

Insurance rates can vary depending on where you live. If you live in an area with high DUI rates of DUIs, your premiums may increase more than someone in a room with lower rates.

See also  Underage DUI: The Consequences and Penalties for Juvenile Drunk Drivers

Your insurance company:

Different insurance companies have different policies when it comes to DUIs. Some may be more lenient than others, while others may have strict policies that increase premiums.

Your BAC:

Your blood alcohol content (BAC) during the DUI can also impact your insurance rates. If your BAC is higher, your insurance costs more.

How Long Will Your Insurance Rates Stay High After a DUI?

The time your insurance rates will stay high after a DUI can vary depending on several factors. Here are some general guidelines:

Your state laws:

Some states require insurance companies to look back a certain number of years for DUI convictions when calculating rates. Your rates may stay high for as long as the state requires these states.

Your driving record:

If you maintain a clean driving record after your DUI, your rates may decrease after a few years.

Your insurance company:

Some companies may offer “forgiveness” policies for first-time DUI offenders. These policies may result in lower premiums sooner than if you were insured with a company that does not offer forgiveness.

Your age:

As you get older, your rates may decrease even if you have a DUI on your record.


How long after a DUI does your insurance go down?

The time it takes for your insurance rates to go down after a DUI can vary. Generally, your rates take around three to five years to return to normal. It depends on where you live and your situation.

Can you get car insurance after a DUI?

Yes, you can get car insurance after a DUI, but you’ll probably have to pay more.

See also  The Consequences of Driving Under the Influence of Drugs: What You Need to Know About Drug DUIs

Will a DUI affect my insurance forever?

No, a DUI will not affect your insurance rates forever. As mentioned earlier, your rates usually take around three to five years to return to normal. However, the DUI will remain on your driving record for much longer, impacting your ability to get insurance or affecting your offered rates.

How can I lower my car insurance rates after a DUI?

You can do a few things to lower your car insurance rates after a DUI. These include taking a defensive driving course, installing an ignition interlock device in your car, and shopping for quotes from multiple insurance companies.

What other factors can affect my car insurance rates?

Your car insurance rates can be influenced by your age, gender, driving history, car model, and the type of coverage you opt for. Also, your rates may be even higher if you have multiple DUIs or other serious driving offenses.


In conclusion, a DUI conviction can significantly impact your insurance rates. Factors such as age, driving record, location, insurance company, and BAC can influence how much your premiums increase. The length of time your rates will stay high after a DUI can vary depending on your state laws, driving record, insurance company, and age. If you got a DUI, look for better insurance, improve driving, and lower premiums gradually. Know how a DUI affects your insurance rates to make better choices about your finances and coverage.

Leave a Reply

Your email address will not be published. Required fields are marked *