A DUI in Tennessee can affect insurance for up to 10 years, depending on how far back the insurance company looks in a driver’s motor vehicle record. Most insurers look back at the past 3-5 years of a driver’s motor vehicle record when calculating premiums, but some look even further for major violations like DUI.
Keep in mind that a DUI will stay on your driving record for longer than it affects your insurance. In Tennessee specifically, a DUI conviction will remain on your driving record for the rest of your life.
On average, a DUI raises insurance rates in Tennessee by 128%. The exact amount that your rate will go up depends on your insurance company, since each insurer uses a different algorithm to calculate premiums.
If you can’t afford your rate after a DUI, you should shop around for a new policy and compare quotes from at least three different insurers to see if you can get a better deal. In Tennessee, the cheapest car insurance companies after a DUI are State Farm, USAA, and Progressive.
To learn more, check out WalletHub’s guide to DUI insurance.
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