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How long do DUI and DWI convictions affect auto insurance rates?
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Usually for at least three years. But, it could be much longer than that.
It all depends on where you live and which auto insurance company provides your coverage. Once you have a drunk driving conviction, in most states you'll receive points on your driving record. In many states, these points remain on your record for a minimum of three years. So, your premiums could be affected for at least that much time.
However, other states keep those points on your record for longer periods, which increases the likelihood your insurer will continue to charge you higher rates for a longer time, too.
Following your DUI or DWI conviction, your state may require you (or your insurer) to file a SR-22 form - sometimes for several years. A SR-22 form indicates to your state that you carry the required amount of insurance to operate a vehicle within your state.
While a DUI lawyer won't be able to lower your insurance premiums, hiring a qualified expert in this field can help you understand the implications of your state's DUI laws, and sometimes either reduce or even eliminate a charge or a punishment.
It all depends on where you live and which auto insurance company provides your coverage. Once you have a drunk driving conviction, in most states you'll receive points on your driving record. In many states, these points remain on your record for a minimum of three years. So, your premiums could be affected for at least that much time.
However, other states keep those points on your record for longer periods, which increases the likelihood your insurer will continue to charge you higher rates for a longer time, too.
Impact of a DUI on Your Auto Insurance
Of course, your insurer could also just drop you as a customer and cancel your policy, too. Each insurer handles DUI and DWI convictions differently; your provider may also look at your driving history prior to the DUI or DWI conviction and make an assessment on whether to keep you. But, no matter what, your drunk driving offense will probably put you into the "high-risk" profile for your insurance company, which means you'll be dealing with elevated premiums until you're removed from that category.Following your DUI or DWI conviction, your state may require you (or your insurer) to file a SR-22 form - sometimes for several years. A SR-22 form indicates to your state that you carry the required amount of insurance to operate a vehicle within your state.
While a DUI lawyer won't be able to lower your insurance premiums, hiring a qualified expert in this field can help you understand the implications of your state's DUI laws, and sometimes either reduce or even eliminate a charge or a punishment.
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