How long will a DUI stay on my auto insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 29, 2011

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Insurance Question from West Henrietta, NY

Asked on 04/29/2011

How long will a DUI stay on my auto insurance? NULL

Answer given on April 30, 2011

Chages for DUI vary greatly by state and by insurance company.  The general rule is that the charges will stay on from 3 to 6 years, depending upon the insurance company.  If you are already insured by a company when you get the ticket, they will usually keep your insurance with a very hefty surcharge.  If you license is suspended you can usually get a restricted license right away and keep it in force.  If you lose your license for a long period of time your insurance company could cance your insurance if you are the only driver.  If there is another driver in the household, the insurance can remain in force until you get your license back.

Getting a new policy when you have a DUI is more difficult.  Many insurance companies won’t insure a driver for 10 years if they have a DUI.  Others will put an extra high surcharge on the policy, but will reduce it over time.  Be sure to shop a number of insurance companies before deciding on one, since there is such a btoad range of costs.  Talk to your insurance agent as he/she will have knowledge as to the best way to get insurance, and keep the costs as low as possible.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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