Reader’s Question:

I got a DUI three years ago. How long does my DUI affect car insurance rates? My insurance rate is still high!

Ben

Brooklyn, NY

The amount of time your DUI will affect your insurance rates depends on both your insurance company guidelines and your state’s regulations. States differ on how long a DUI or DWI stay on your driving record. It may stay on your MVR for as little as a few years to as many as 10 depending on the state and the situations regarding your DUI. As long as the infraction is on your DMV record it is likely to affect your car insurance rates.

Each insurance provider has its own method of rating and evaluating people. To know how long your DUI is going to stay on your MVR call your DMV and to find out how long your current insurance provider will continue to rate at a higher rate contact your insurance broker.