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A DUI affects insurance rates for 3-10 years, depending on the driver’s state and insurance company. Most insurance companies look back 3-5 years for infractions on a driving record, but some look back as far as seven years. And even if a DUI doesn’t cause a driver’s rates to skyrocket long-term, it can have a lingering effect on costs. For example, insurance companies in California legally can’t offer you a good driver discount for 10 years after a DUI conviction.
During the period in which it directly affects premiums, a DUI conviction causes insurance rates to rise by about 80% on average, although each insurer and state is different. If you practice good habits in the years following a DUI, however, you’ll eventually see your rates fall back down.
Since every insurance company has its own lookback period for driving records, you’ll need to check with your insurer to know exactly how long your rates will be affected by a DUI. But keep in mind that even after your costs go down, a DUI will likely appear on your driving record for much longer, depending on your state. While some states like Maryland and Hawaii only require it to remain for five years, others such as Texas and Oregon keep it on your record for life.
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