After a DUI conviction, car insurance rates typically increase by 50% to 100% or more on average, with some drivers seeing premiums double or triple. This hike can last for three to five years, depending on state laws and your insurer's policies. The exact amount varies based on factors like your driving history, age, location, and the insurance company's risk assessment. For instance, a driver with a clean record might face a lower increase than someone with prior violations.
The primary reason for this surge is that insurers view DUI offenders as high-risk, leading to significantly higher premiums. Most states require an SR-22 form (a certificate of financial responsibility) after a DUI, which can further increase costs. Additionally, some insurers may even cancel your policy, forcing you to seek coverage from high-risk providers at much higher rates.
To give you a clearer picture, here's a table with estimated average premium increases after a DUI in various states, based on industry data from sources like the Insurance Information Institute. These figures are illustrative and can vary:
| State | Average Premium Increase | Typical Duration |
|---|
| California | 80% | 3-5 years |
| Texas | 70% | 3 years |
| Florida | 90% | 5 years |
| New York | 75% | 3-4 years |
| Illinois | 85% | 4 years |
| Arizona | 100% | 5 years |
| Ohio | 60% | 3 years |
| Michigan | 95% | 5 years |
| Georgia | 80% | 3 years |
| Pennsylvania | 70% | 3 years |
Beyond the initial increase, you might also face other penalties like higher deductibles or limited coverage options. To minimize the impact, shop around for quotes from multiple insurers, consider taking a defensive driving course, and maintain a clean record going forward. Over time, as the DUI ages on your record, rates may gradually decrease.
