Car Insurance After a DUI: What to Expect
By CompareRatesHQ Editorial Team · Updated August 2026
What happens to your rate
A DUI is one of the most serious violations an insurer sees, and it usually produces a sharp premium increase — often a doubling or more — because it strongly predicts future claims. Many drivers are also non-renewed by their current insurer and have to find a company that specializes in high-risk drivers.
The SR-22 (or FR-44)
Most states require an SR-22 after a DUI — a certificate your insurer files with the state proving you carry at least the minimum coverage. A few states use a higher-limit FR-44 for DUIs. The filing itself is inexpensive; the higher premium is the real cost. If your policy lapses, the insurer notifies the state and your license can be suspended, so continuous coverage is critical.
How long, and how to limit it
The surcharge typically lasts three to five years depending on your state, and your rate improves as the DUI ages and you stay clean. To limit the cost: compare several high-risk insurers (their pricing varies enormously), keep continuous coverage, take a state-approved defensive-driving course if it earns a discount, and re-shop every 6–12 months as your record improves.
Frequently asked questions
How long does a DUI affect car insurance?
Usually three to five years, depending on your state — rates improve as the violation ages and you stay incident-free.
Do I need an SR-22 after a DUI?
In most states, yes — an SR-22 (or FR-44 in a few states) proving you carry at least the minimum coverage.