How a DUI Affects Your Car Insurance

A DUI conviction typically increases car insurance premiums by 80–200% for 3–7 years. The average driver pays an extra $1,500/year for 3 years — totaling $4,500 in additional premiums.

High-risk insurers (SR-22 required) charge even more. Some insurers will drop you entirely, forcing you into the high-risk market.

Shopping multiple insurers after a DUI is essential — rates vary significantly. The SR-22 filing itself costs $25–$50 but the insurance premium increase is the real cost..