How Long Does DUI Affect Car Insurance Rates
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 or remain there permanently 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 find out how long your DUI will remain on your record, contact the DMV in your state. To find out how long your insurance company is going to charge a higher rate, contact your insurance broker. Even after the offense is dropped from your record, your current insurance provider will have it on their records and may still charge your accordingly. It may be advisable to shop around for quotes from other insurance providers after your record is cleared.
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