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How to Determine if DUI/DWI Affects Your Insurance Premium

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If you get arrested for a DUI or DWI, the consequences can include jail time, a fine, probation and having your license revoked. Your insurance premium may also be affected. There's a number of things to consider when determining if DUI or DWI affects your insurance premium.


  1. 1
    Check your driving record. This is the same record insurance companies check before deciding to insure you or renew your policy. If there's a DUI on your driving record, your insurance company will know that information.
    • If a DUI appears on your record, an insurance company can deny coverage, cancel your policy or set premium prices accordingly. The DUI conviction may remain on your record for 10 years, or even for life in some states.
  2. 2
    Research what constitutes a high-risk driver at your insurance company. Each insurance company has its own guidelines, but certain number of points will be assessed against your driving record per state law when you are arrested for a DUI.
    • If you have a higher number of points on your license than the average driver, your insurance company may put you in a high-risk category and charge you more.
  3. 3
    Expect to pay higher insurance premiums for at least 3 years if convicted of a DUI offense. Insurance companies are sometimes required to file an SR-22 insurance rider that proves you have the proper amount of liability insurance following a DUI conviction.
    • Depending on the factors surrounding your DUI, you may have to file SR-22 forms for several years afterward. Having that form on your file will always lead to higher insurance premiums.
    • Each state has different rules regarding SR-22. Some don't require them at all. Those that do not require them will still recognize SR-22 situations when you move there from out of state.
  4. 4
    Ask your insurance company what other factors cause it to charge higher rates for a DUI conviction. Many insurers consider a driver's age, gender and even the make and model of the vehicle.
    • It will take time, a clean driving record and good credit before an insurance company will consider reducing your rates.
  5. 5
    Consult your lawyer about how a DUI charge may affect your vehicle insurance. Many times, if the charge is reduced or a plea bargain is made, the consequences are minimized.

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  • Let your insurance company lead the way on what happens with your insurance. It may be some time before your insurance company notices a DUI conviction. Although some insurance companies do random record searches, most of the time they aren't handled until it comes to renewal. In the meantime, stick with the same company and continue paying your bills on time.


  • You may see an increase of 20 percent to 70 percent on your insurance premiums after a DUI conviction. With each subsequent DUI, the rates will increase significantly or you may find it difficult to even find an insurance company that wants your business.

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