DUI Car Insurance Rate Calculator
A DUI conviction can dramatically increase your car insurance premiums. Use this calculator to estimate your new rate and understand the full financial impact over time.
How a DUI Affects Your Insurance
A DUI (Driving Under the Influence) conviction flags you as a high-risk driver in the eyes of insurers. Most companies will significantly raise your rates, and some may cancel your policy altogether, forcing you to seek coverage from high-risk (non-standard) insurers at even higher rates.
The good news is that the impact diminishes over time. As the DUI ages on your record, many insurers will reduce surcharges — especially after 3 and 5 years. Maintaining a clean record after a DUI is the best way to recover your rates.
Frequently Asked Questions
How long does a DUI affect my insurance rates?
A DUI typically affects your insurance rates for 3 to 7 years depending on your state and insurer. In some states, a DUI can remain on your driving record for up to 10 years or permanently.
Will my insurance company cancel my policy after a DUI?
Some insurers will cancel or non-renew your policy after a DUI conviction. If this happens, you may need to find a high-risk insurer or obtain coverage through your state's assigned risk plan.
What is SR-22 and do I need it after a DUI?
An SR-22 is a certificate of financial responsibility that your insurer files with the state to prove you carry the minimum required coverage. Most states require SR-22 filing after a DUI, typically for 3 years. See our SR-22 calculator for cost details.
Can I shop around for better rates after a DUI?
Yes, and you should. Different insurers weigh DUIs differently — rates can vary by hundreds of dollars for the same driver. Get quotes from multiple companies, including those that specialize in high-risk drivers.
Does completing a DUI program reduce my insurance rates?
Completing a state-approved DUI education or treatment program may help reduce your rates with some insurers and is often required to reinstate your license. Ask your insurer directly about available discounts.
Disclaimer: Results provided by this calculator are estimates only and do not constitute insurance advice or an actual insurance quote. DUI surcharges vary widely by insurer and state. Consult a licensed insurance professional for accurate quotes and coverage recommendations.