{"id":1329,"date":"2024-10-14T02:44:00","date_gmt":"2024-10-14T02:44:00","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=1329"},"modified":"2024-10-14T14:54:12","modified_gmt":"2024-10-14T14:54:12","slug":"how-long-dui-affects-insurance-premiums","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/dui-tips\/how-long-dui-affects-insurance-premiums\/","title":{"rendered":"Understanding How Long a DUI Affects Your Insurance Premiums\u00a0"},"content":{"rendered":"\n<p>When you get convicted of driving under the influence, your new premium costs are probably one of your first concerns. So, how long does a DUI affect your insurance, and what are the short-term and long-term impacts of this conviction on your coverage costs?&nbsp;<\/p>\n\n\n\n<p>If you have a recent DUI on your record, you might be required to get SR-22 insurance, which indicates to insurers you&#8217;re a high-risk driver. This causes your premiums to increase significantly. During your SR-22 filing period, you can expect your rate to stay pretty high, and your DUI conviction can impact your premiums even after you complete your SR-22 requirement.&nbsp;&nbsp;<\/p>\n\n\n\n<p>By exploring the basic financial consequences of a DUI conviction, you can plan for the future, prepare your budget, and take extra steps to keep your new <a href=\"https:\/\/www.sr22adviser.com\/quote\/\" target=\"_blank\" rel=\"noreferrer noopener\">SR-22 insurance quote<\/a> as low as possible.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Navigating the Impact of DUI on Insurance Premiums<\/strong>&nbsp;<\/h2>\n\n\n\n<p>It&#8217;s common knowledge that being convicted of operating under the influence will lead to higher premiums. But what exactly happens after your conviction? Understanding how long a DUI will affect your insurance and how your auto insurance rates will change is your key to navigating this challenging time.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Immediate Consequences of a DUI on Your Insurance Rates<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Once your conviction is final and you inform your insurer that you need to file an SR-22, your rates will likely go up immediately. Some insurance providers won&#8217;t insure high-risk drivers, so they may even terminate your contract. In that situation, you must find an insurer that works with high-risk drivers to secure a new SR-22-compliant plan.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Understanding the Timeline: How Long Does a DUI Influence Rates?<\/strong>&nbsp;<\/h3>\n\n\n\n<p>The length of time you&#8217;ll have to deal with inflated auto premiums can depend on various factors. Each state has its own general guidelines, and individual car insurance companies will also have their own policies. As a general rule of thumb, you can expect insurance companies to look at the past three to five years of your driving history when calculating your premium. After this period, it&#8217;s less likely they&#8217;ll factor your conviction into your risk level and your overall rate. However, some insurance providers will give you a higher rate for having a DUI on your record, even if it was over five or 10 years ago.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Role of SR-22 and FR-44 in Post-DUI Insurance<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Anyone who has had to deal with a driving-related conviction has probably heard of an SR-22 or FR-44. Depending on your local laws, you&#8217;ll likely have to file one of these forms as a condition of maintaining your driving privileges.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Decoding SR-22: What It Is and How It Affects You<\/strong>&nbsp;<\/h3>\n\n\n\n<p>An SR-22 is a form that verifies your coverage with the state. Your insurers file the certificate on your behalf to prove that your policy meets minimum state requirements. Maintaining minimum insurance coverage after your charge is essential for fulfilling your legal obligations.&nbsp;&nbsp;<\/p>\n\n\n\n<p>SR-22 filing periods can vary but usually last two or three years. After you <a href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-tips\/6-steps-to-remove-your-sr-22\/\" target=\"_blank\" rel=\"noreferrer noopener\">remove your SR-22<\/a> by completing the requirement, you&#8217;ll usually experience a bit of a drop in your rates, even if they&#8217;re still higher than they were before your charge. In some cases, your premium may go back to normal.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>When FR-44 Comes into Play and Its Implications<\/strong>&nbsp;<\/h3>\n\n\n\n<p>In two states, Florida and Virginia, people with serious offenses like DUI convictions are required to have more coverage than the average person, with much higher liability limits to account for the increased risk of filing a claim or getting into an accident. They must file an FR-44 to verify that they&#8217;re maintaining this more extensive plan.&nbsp;<\/p>\n\n\n<div class=\"c-section c-quote\" id=\"home-auto-quote-block_670d2d4ec60ea\">\r\n    <div class=\"o-wrapper\">\r\n        <img decoding=\"async\" class=\"c-quote__img\" src=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/components\/quote\/pic1.svg\" alt=\"Someone shopping for a car, looking for quality and savings\" aria-hidden=\"true\" width=\"112\" height=\"99\">\r\n        <h2 class=\"c-section__title c-section__title--small c-quote__title\">Find Cheap SR-22 Auto Insurance Quotes<\/h2>\r\n                <form class=\"c-quote__form js-form\" action=\"https:\/\/www.sr22adviser.com\/quote\">\r\n            <div class=\"c-quote__item c-quote__item--zipcode\">\r\n                <input class=\"c-quote__input c-quote__input--center js-only-numbers js-valid-zipcode\" type=\"tel\"  name=\"zipcode\" placeholder=\"Zip Code\" aria-label=\"Zip Code\" maxlength=\"5\" required>\r\n            <\/div>\r\n            <div class=\"c-quote__controls\">\r\n                <button class=\"c-button c-button--purple c-quote__button\" type=\"submit\">Get a quote<\/button>\r\n            <\/div>\r\n            <div class=\"c-quote__powered\"> Powered by\r\n                <img decoding=\"async\" class=\"c-quote__logo\" src=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/components\/quote\/freeway-logo.svg\" alt=\"Freeway Insurance Logo\" width=\"73\" height=\"18\">\r\n            <\/div>\r\n        <\/form>\r\n    <\/div>\r\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>The Nitty-Gritty of DUI Penalties and Insurance Costs<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Depending on your situation, you may have to deal with varying financial challenges after your conviction. The following are a few guidelines to help you understand what to expect.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>State-Specific Variations in DUI Penalties and Insurance Impact<\/strong>&nbsp;<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.sr22adviser.com\/dui-laws-and-limits-by-state\/\" target=\"_blank\" rel=\"noreferrer noopener\">Each state&#8217;s DUI laws and limits<\/a> are different, and state law can also influence how your conviction impacts the cost of your auto policy. For example, in Texas, being convicted of driving under the influence can affect your premiums for up to a decade, and you can&#8217;t ever get the DUI removed from your record. In California, however, the conviction will be expunged after 10 years, giving you a clean driving record. Some states, such as Missouri, will remove the conviction from your record after only five years.&nbsp;<\/p>\n\n\n\n<p>Once your conviction is removed, it will no longer be considered a factor for your auto coverage costs. In some areas, your DUI might stop affecting your coverage after just two or three years when your SR-22 requirement ends, even if it&#8217;s still on your record. Be sure to check laws in your state and research how different insurers handle driving under the influence to learn more.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Long-Term Financial Fallout from a DUI Conviction<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Getting convicted of driving while intoxicated can affect more than just your monthly insurance costs. You may also have additional costs related to maintaining an ignition interlock device in your vehicle, restoring your license, and, of course, paying legal fees and fines.&nbsp;<\/p>\n\n\n\n<p>Also, having a conviction on your record could affect your career opportunities and income. For example, it is much harder to <a href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/general\/breaking-barriers-can-i-get-my-cdl-after-a-dui\/\" target=\"_blank\" rel=\"noreferrer noopener\">get a CDL after a DUI<\/a>, limiting your employment options if your previous career involved driving.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Strategies for Minimizing Post-DUI Insurance Hikes<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Even though your insurance premiums are likely to rise if you have a driving-related conviction on your record, you can take a few steps to keep your rates as low as possible.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Exploring High-Risk Insurance Options After DUI<\/strong>&nbsp;<\/h3>\n\n\n\n<p>When looking for after-DUI insurance, it&#8217;s helpful to work with insurers specializing in policies for high-risk drivers. They&#8217;ll help you find discounts, set you up with an SR-22 plan, and manage your costs while you wait for your charge to fall off your record.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Proactive Steps to Lower Your Premiums: Courses and Deductibles<\/strong>&nbsp;<\/h3>\n\n\n\n<p>You may also decrease your coverage costs by taking defensive driving or alcohol and drug awareness courses. The court often mandates these classes, so you may be eligible for a lower price after you complete your court-ordered class.&nbsp;<\/p>\n\n\n\n<p>You can also ask about high-deductible plans designed to keep your monthly costs low. If you agree to pay more out of pocket for your claims, your insurer may be able to give you a cheaper premium.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Beyond the Basics: Additional DUI Implications and Solutions<\/strong>&nbsp;<\/h2>\n\n\n\n<p>The following are a few more things to consider when getting insurance after your conviction.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How DUIs Alter Risk Profiles and Insurance Classifications<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Once you get convicted of a driving-related infraction, you&#8217;ll be considered a high-risk driver by most insurers \u2014 at least for a few years until your SR-22 period ends or your insurer stops factoring your DUI into your premium costs. You can try to offset this increase by decreasing your risk in other areas. For example, you can focus on improving your credit score, if that&#8217;s a considered factor in your state, or switch to a safe vehicle that&#8217;s cheaper to repair.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Can Telematics and Legal Advice Aid in Offsetting Cost Increases?<\/strong>&nbsp;<\/h3>\n\n\n\n<p>You can also consider enrolling in a telematics program, which will track your driving habits and give you a discount if you demonstrate safe driving behaviors. Even a small discount can add up, especially over the course of several years.&nbsp;<\/p>\n\n\n\n<p>If you haven&#8217;t yet been convicted, you can also talk to your lawyer about strategies for your case that can keep your costs low. In some situations, you may be able to plead guilty to a lesser charge or even get a deferment or dismissal.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>In Need of SR-22 Insurance? Get a Quote Today!<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Getting convicted of a DUI can result in higher insurance premiums for years to come, but you&#8217;ll eventually be able to access lower rates. After a certain length of time, insurers will no longer consider older marks on your record. In the meantime, you can explore discounts and focus on safe driving behaviors to keep your premiums low.&nbsp;<\/p>\n\n\n\n<p>At SR-22 Adviser, we specialize in helping out high-risk drivers and getting them the best rates possible during their SR-22 requirement and beyond. Apply for a <a href=\"https:\/\/www.sr22adviser.com\/quote\/\" target=\"_blank\" rel=\"noreferrer noopener\">free online quote<\/a> from our partner site to access lower premiums today.&nbsp;<\/p>\n\n\n<div class=\"c-section c-opinion-banner\">\r\n    <div class=\"o-wrapper\">\r\n        <div class=\"c-opinion-banner__question js-opinion-banner-question\">\r\n            <h2 class=\"c-section__title c-section__title--center c-opinion-banner__title\">Was this article helpful?<\/h2>\r\n            <div class=\"c-opinion-banner__content\">\r\n                <div class=\"c-opinion-banner__controls\">\r\n                    <button class=\"c-opinion-banner__control c-opinion-banner__control--ok js-opinion-banner-control-ok\" aria-label=\"Yes, this article is helpful\">\r\n                        <span class=\"o-icon c-opinion-banner__icon\"><svg focusable=\"false\" role=\"img\">\r\n                                <title>Yes, this article is helpful<\/title>\r\n                                <use xlink:href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/icons\/icons.svg#icon-thumbs-up\"><\/use>\r\n                            <\/svg><\/span>\r\n                    <\/button>\r\n                    <button class=\"c-opinion-banner__control c-opinion-banner__control--no-ok js-opinion-banner-control-no-ok\" aria-label=\"No, this article is wasn't helpful\">\r\n                        <span class=\"o-icon c-opinion-banner__icon\"><svg focusable=\"false\" role=\"img\">\r\n                                <title>No, this article is wasn&#8217;t helpful<\/title>\r\n                                <use xlink:href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/icons\/icons.svg#icon-thumbs-down\"><\/use>\r\n                            <\/svg><\/span>\r\n                    <\/button>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"c-opinion-banner__ok js-opinion-banner-ok\">\r\n            <h2 class=\"c-section__title c-section__title--center c-opinion-banner__title\">Winner! Glad you enjoyed it.<\/h2>\r\n            <div class=\"c-opinion-banner__controls\">\r\n                <div class=\"c-opinion-banner__control c-opinion-banner__control--ok\">\r\n                    <span class=\"o-icon c-opinion-banner__icon\"><svg focusable=\"false\" role=\"img\">\r\n                            <title>Yes, this article is helpful<\/title>\r\n                            <use xlink:href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/icons\/icons.svg#icon-thumbs-up\"><\/use>\r\n                        <\/svg><\/span>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"c-opinion-banner__no-ok js-opinion-banner-no-ok\">\r\n            <h2 class=\"c-section__title c-section__title--center c-opinion-banner__title\">Still have questions? Contact us for answers.<\/h2>\r\n            <div class=\"c-button__wrapper\">\r\n                <a class=\"c-button c-button--cyan\" href=\"tel:877-822-2049\">\r\n                    <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\">\r\n                            <use xlink:href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/icons\/icons.svg#icon-phone\"><\/use>\r\n                        <\/svg><\/span>877-822-2049                <\/a>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>When you get convicted of driving under the influence, your new premium costs are probably one of your first concerns. So, how long does a DUI affect your insurance, and what are the short-term and long-term impacts of this conviction on your coverage costs?&nbsp; If you have a recent DUI on your record, you might [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1330,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[7,1],"tags":[],"class_list":["post-1329","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dui-tips","category-general"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/posts\/1329","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/comments?post=1329"}],"version-history":[{"count":2,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/posts\/1329\/revisions"}],"predecessor-version":[{"id":1332,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/posts\/1329\/revisions\/1332"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/media\/1330"}],"wp:attachment":[{"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/media?parent=1329"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/categories?post=1329"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/tags?post=1329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}