A DUI conviction will cause your rates to double and sometimes even triple. The cost of a DUI depends on several factors, such as whether this is a first offense or a subsequent one and if there was an accident involved and people were hurt or killed.
A DUI’s effect on rates varies depending on the state and insurer. Rates can skyrocket up to five times as much as a standard policy. These do not include court fines, lawyer fees, and potential alcohol treatment program costs.
You may also be required to file an SR-22 — a document that insurance companies submit to your state’s DMV to confirm a driver is adhering to the state’s minimum requirements. However, it is not an actual policy.
On top of an SR-22, expect your rates to stay elevated for a minimum of three years before gradually lowering over time with a clean driving record. After that, only think of driving with a policy or face the risk of additional fines, restitution fees, or outright cancellation of your policy.