Does my FR44 rate go down over time?
It can, but it's not automatic. As time passes from your DUI conviction and you maintain a clean record, some carriers will reduce your rate at renewal. The decrease depends on your carrier and how they re-evaluate risk over time. Shopping around periodically — especially after the first year — is the most reliable way to find a lower rate.
Why Rates May Decrease
Insurance carriers re-evaluate risk at each renewal. As the DUI ages and you accumulate clean driving history, some carriers view you as less risky and price accordingly. This isn't guaranteed — some carriers keep rates flat for the entire 3-year FR44 period.
When to Shop Around
- After your first renewal — You now have 6-12 months of clean history since the DUI. Other carriers may compete for your business.
- If your renewal rate increases — Don't accept a higher renewal without comparing alternatives.
- Midway through your filing period — At the 18-month mark, the violation is aging and you may find better rates.
We compare FR44 rates from multiple carriers — call (855) 678-6977 to see if there's savings available at any point during your filing period.
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