How Can A DUI Affect My Car Insurance?

If you have recently been convicted of a DUI, you may be wondering, "How can DUIs affect my car insurance?" If you are considering dropping your collision or comprehensive coverage, shop around for a new policy. You may be surprised to learn that insurers will raise your rates significantly after a DUI if you have other driving violations. However, you can improve your credit score to lower your rates. To help boost your score, make sure to check your credit report regularly and make necessary changes. You can also check your insurance quote every three to five years to see what kind of changes the policy is making. A DUI can raise your rates more than a poor credit score, so shopping around for new insurance is essential.

Rate Hike

Most insurers don't immediately raise your rates if you've had one DUI. A DUI conviction on your record remains on your record for seven years. This means that the next time you need to renew your car insurance policy, your insurer will look back on your previous DUI conviction to set your rates. The time period between a DUI conviction depends on your state's laws. In many states, DUI convictions stay on your record for seven years.

Canceled

Even if your insurance company has no legal grounds for canceling your policy after a DUI, they will usually inform you anyway. In addition to a DUI on your driving record, insurers will check your driving history before renewing your policy. The rate hike will depend on the state in which you live and your driving record, but if you've recently been convicted of a DUI, plan for an 80% increase in your premiums.

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