From potentially getting your license revoked to attending court proceedings, receiving a DUI has multiple impacts on you. It labels you as a high-risk driver, which affects the cost and availability of auto insurance. When the insurance agency receives notification of the conviction, your premiums for required coverage may skyrocket for years. If you’ve recently received a DUI, here are answers to some of the questions you may have about your auto, truck, or motorcycle insurance.

FAQ on Auto Insurance Following DUI Convictions

How does the insurance agency find out about my DUI?

Insurance providers occasionally check their clients’ driving records by running a motor vehicle report. They do this to check for any violations that might affect your insurance rates. Most commonly, however, they will find out when it comes time to renew the policy.

How much will my rates go up?

This will vary depending on which state your auto insurance is registered in. The lowest average increase is 28%, but in states like North Carolina, this can be as high as 371%. In New York, it’s typically a 47% increase. On average, the hike is 80%, which amounts to an added $1,163 per year in insurance premiums.

How long does a DUI affect my rates?

This also depends on where you’re insured. The DUI will be on your criminal record for life, but an insurance agency only looks at the DMV record to decide whether you’re a high-risk driver. Typically, the DUI is removed after five to seven years, but states like New Mexico don’t remove it for 55 years. New York keeps it on file for 10 years.

Is there any way to get better rates if I’m a high-risk driver?

Besides working with your agent to shop multiple providers, there are a few steps you can take to lessen the financial impact of a DUI. For example, taking driver’s education courses to demonstrate a dedication to safe driving and switching to a safer car may help lower your overall rates.