DUI Insurance Impact Calculator

A DUI conviction can cause car insurance premiums to spike dramatically — often doubling or tripling overnight — and the financial impact lasts for years. Enter your current annual premium, age, state, DUI type, and vehicle value into the DUI Insurance Impact Calculator to see your estimated new annual premium and premium increase. Secondary outputs include percentage increase, 5-year additional cost, and SR-22 filing cost if a court-mandated high-risk filing applies to your case.

$

Your current yearly car insurance premium

Number of tickets or violations before DUI

High-risk insurance filing required by court

$

Results

Estimated New Annual Premium

--

Premium Increase

--

Percentage Increase

--

5-Year Additional Cost

--

SR-22 Filing Cost (Annual)

--

Results Table

More Automotive Tools

Frequently Asked Questions

How much does car insurance go up after a DUI?

Car insurance typically increases by 80-150% after a DUI conviction. The exact increase depends on your state, insurance company, driving history, and type of DUI offense.

How long does a DUI affect your insurance rates?

A DUI typically affects your insurance rates for 3-7 years, depending on your state's laws. Most insurance companies look back 3-5 years when calculating premiums, but some states require longer reporting periods.

What is SR-22 insurance and how much does it cost?

SR-22 is a certificate of financial responsibility required after certain violations like DUI. It's not insurance itself, but proof you carry minimum coverage. Filing costs typically range from $25-50 annually, plus higher premium costs.

Will my insurance company drop me after a DUI?

Some insurance companies may non-renew your policy after a DUI, especially if you're considered high-risk. However, you can still get coverage through high-risk insurers or your state's assigned risk pool.

Can I reduce my insurance costs after a DUI?

Yes, you can lower costs by completing defensive driving courses, maintaining a clean record, shopping with multiple insurers, increasing deductibles, or qualifying for available discounts.

Do all states require SR-22 after a DUI?

Not all states require SR-22 filings after DUI. Requirements vary by state and circumstances. Some states use different forms like FR-44 or have no filing requirement at all.

What factors affect my insurance increase after DUI?

Key factors include your state, insurance company, age, driving history, type of DUI offense, BAC level, whether there was an accident or injury, and your overall risk profile.

Should I shop for new insurance after a DUI?

Yes, you should compare rates from multiple insurers. Some companies specialize in high-risk drivers and may offer better rates than your current insurer after a DUI conviction.