A DUI can have a significant impact on your car insurance rate. If you’ve been charged with a DUI, you may be wondering how long it will take until your insurance goes down and what steps you can take to mitigate the consequences.
So, how long after a DUI will your insurance go back down? Your insurance rate probably won’t return to its original level for three to five years.
If you’re facing a DUI charge, a Los Angeles DUI lawyer can help you build a strong defense.
How Long After a DUI Until My Insurance Rate Goes Back Down?
After a DUI, your insurance rate likely won’t return to its pre-DUI level for three to five years. During this period, insurers view you as a high-risk driver, which can lead to significantly higher premiums.
What Factors Determine How Long Your Rate Increase Lasts?
Several factors can influence how long your insurance rates remain elevated after a DUI, including:
- State regulations: Each state has different laws about how long DUIs stay on driving records and how insurers use that information.
- Severity of the DUI: Factors like a high blood alcohol content (BAC) or involvement in an accident can extend the time your rates stay elevated.
- Insurance company policies: Different insurers assess DUI-related risks differently. Some may impose higher penalties or extend the rate hike period.
- Your driving history: A clean driving record before and after a DUI can help mitigate the duration and intensity of premium increases.
- Completion of DUI programs: Enrolling in and completing DUI education programs or driving courses can demonstrate to insurers that you’re committed to driving safely.
How Much Is Insurance After Getting a DUI?
Car insurance rates often increase significantly after a DUI. On average, drivers can expect to pay 50% to 150% more than their pre-DUI rates. Factors that can affect this increase include your age, location, and insurer.
How to Minimize the Impact of a DUI on Your Insurance Rate
While you can’t erase a DUI, you can take steps to reduce its impact on your insurance premiums by doing the following:
- Shop around: Compare quotes from different insurance providers. Some specialize in high-risk drivers and may offer better rates.
- Take a defensive driving course: Many insurers offer discounts for completing approved driving courses.
- Bundle policies: Combining auto insurance with home or renters insurance can lower your overall costs.
- Increase your deductible: Opting for a higher deductible can reduce your monthly premium.
- Ask about discounts: Check if you’re eligible for discounts, such as good student or safe vehicle discounts.
How Long Does a DUI Stay on Your Driving Record?
The length of time a DUI stays on your driving record varies by state. In most states, a DUI remains on your record for 3 to 7 years, though in some others, it can stay there for up to 10 years, or even permanently. This directly affects how long your insurance rates remain elevated.
Does Car Insurance Cover Drunk Driving Accidents?
Yes, car insurance typically covers drunk driving accidents, but there are caveats:
- Liability coverage: If you cause an accident while intoxicated, your liability insurance will likely cover damages to other parties, but your insurer may increase your premiums or even cancel your policy.
- Collision coverage: Your policy might cover damages to your own vehicle, but insurers could deny the claim if the DUI violates policy terms.
- Exclusions: Some policies have exclusions for criminal acts, which can complicate coverage.
After a drunk driving accident, it’s crucial to consult with your insurer to understand what’s covered.
What Is DUI Car Insurance?
DUI car insurance refers to coverage tailored for high–risk drivers, often labeled as SR-22 or FR-44 insurance. These are not separate insurance policies, but certifications required by certain states to prove you meet minimum insurance requirements after a DUI.
These policies usually cost more, but they are necessary to reinstate your driving privileges.
Can I Change My Coverage to Avoid Paying More?
Adjusting your coverage may lower your premiums, but it comes with trade-offs:
- Reducing coverage: Opting for minimum liability coverage lowers costs but increases financial risk.
- Dropping optional coverage: Removing collision or comprehensive coverage can save money, but it may also leave you vulnerable in certain situations.
Do I Need Auto Insurance to Drive?
Yes, all states require some form of auto insurance or financial responsibility to legally drive. After a DUI, maintaining insurance is often a prerequisite for retaining or reinstating your driving privileges. Failing to comply can result in fines, license suspension, or even jail time.
Tips for Finding Cheap Car Insurance Rates After a DUI
Finding affordable insurance after a DUI is challenging but not impossible. Here are some tips:
- Compare quotes: Use online comparison tools to find insurers who specialize in high-risk drivers.
- Maintain a clean record: Avoid further violations or claims to show insurers you’re improving.
- Ask about payment plans: Some insurers offer flexible payment options to make higher premiums more manageable.
- Consider usage–based insurance: Pay-as-you-go plans can be more affordable if you drive infrequently.
- Look for local insurers: Smaller, regional companies may have competitive rates.
Connect with a DUI Attorney Today
Navigating the aftermath of a DUI can be overwhelming. A Los Angeles DUI attorney can defend your rights, negotiate penalties, and guide you through the process of reinstating your license and insurance.
Call today to get connected with an attorney who can help protect your future.
