Auto Insurance After DUI

Why does a DWI or DUI mean you will pay more for your auto insurance?

Answer:  A DWI or DUI indicates you are an increased risk to insurers.  The duration of the risk can last for years.

This article provides an in-depth examination of the consequences that DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) convictions have on auto insurance. It delves into how such convictions result in increased insurance points, significantly higher insurance premiums, and the long-term impact on insurance costs. The article outlines the basis for these consequences, including the perception of increased risk by insurers and the duration of these effects, which can span several years depending on state regulations. Furthermore, it offers strategies for drivers to mitigate these adverse outcomes, such as maintaining a clean driving record, comparison shopping for insurance, and completing defensive driving courses. Through a comprehensive overview, the article aims to guide drivers with DUI/DWI convictions in understanding and navigating the challenges of securing affordable auto insurance.


Driving under the influence (DUI) or driving while intoxicated (DWI) is a serious offense with severe consequences not only from a legal standpoint but also in terms of auto insurance. When a driver is convicted of a DUI/DWI, it not only affects their driving record but also has significant implications for their auto insurance premiums. In this article, we will explore the consequences of DUI/DWI convictions on insurance points, the impact on insurance costs, the duration of the effects, and strategies for drivers to mitigate the consequences.

DUI/DWI Convictions and Insurance Points

DUI/DWI convictions have a direct impact on a driver's insurance points. Insurance points are assigned by insurers as a means to assess risk and adjust premiums accordingly. When a driver is convicted of a DUI/DWI, it is considered a significant indicator of high risk and leads to the accumulation of insurance points. The number of points assigned depends on the severity of the conviction and the state's regulations, but in most cases, DUI/DWI convictions result in a substantial increase in insurance points.

Impact on Insurance PremiumsInsurance quote

The impact of a DUI/DWI conviction on insurance premiums is significant and can be long-lasting. Drivers with DUI/DWI convictions are perceived as high-risk by insurers, leading to increased insurance premiums. The rise in premiums is a direct response to the higher likelihood of the driver being involved in accidents and filing claims due to impaired driving. The increase in insurance costs can be substantial, making auto insurance unaffordable for some drivers with DUI/DWI convictions.

Duration of Consequences

The consequences of a DUI/DWI conviction on insurance premiums can last for several years. In most states, DUI/DWI convictions remain on a driver's record for a significant period, typically ranging from three to seven years, depending on the state's regulations. During this time, the driver may face higher insurance premiums, even if they improve their driving habits and maintain a clean record. Over time, as the DUI/DWI conviction becomes older, its impact on insurance points may gradually decrease.

Insurance Policy Changes

Following a DUI/DWI conviction, some insurance companies may choose not to renew a driver's policy, while others may substantially increase the premiums. In some cases, the driver may need to seek coverage from specialized insurers that cater to high-risk drivers with DUI/DWI convictions, but these policies often come with significantly higher premiums.

Strategies to Mitigate the Consequences

While the consequences of DUI/DWI convictions on insurance points and premiums are severe, drivers can take proactive steps to mitigate their impact:

1. Safe Driving Practices: After a DUI/DWI conviction, maintaining a clean driving record is crucial. Adhering to traffic laws and avoiding any further violations or accidents can help drivers gradually reduce their insurance points over time.

2. Comparison Shopping: Drivers with DUI/DWI convictions should explore insurance options from multiple providers. Different insurers have varying underwriting criteria, and some may offer more competitive rates despite the conviction.

3. Completing Defensive Driving Courses: In some states, completing defensive driving courses can help drivers remove or reduce insurance points from their record, potentially leading to lower premiums.


DUI/DWI convictions have severe consequences for drivers, including an accumulation of insurance points and increased insurance premiums. Drivers with DUI/DWI convictions are considered high-risk by insurers due to the increased likelihood of accidents and claims resulting from impaired driving. The duration of the impact on insurance points can last for several years, making insurance costs significantly higher during this time. However, drivers can take proactive steps to mitigate the consequences by prioritizing safe driving practices, shopping around for insurance options, and exploring opportunities to reduce points through defensive driving courses. Responsible driving behavior and informed insurance choices are essential for drivers with DUI/DWI convictions seeking to navigate the complexities of auto insurance and maintain affordable coverage.