2025 DUI Insurance Impact Calculator
See how much your car insurance will increase after a DUI in your state
Average US premium: $1,800/year
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Frequently Asked Questions
How much does insurance increase after a DUI?
It depends on your state. North Carolina has the highest increase at 317%, while Pennsylvania averages 69%. Most states see 70-100% increases after a first DUI.
What is SR-22 insurance?
SR-22 is a certificate proving you have minimum liability insurance. After a DUI, your state requires you to file an SR-22 for 3 years. It costs $15-50 extra per month.
How long does a DUI affect my insurance?
A DUI stays on your driving record for 3-10 years depending on your state. Your insurance rates will be affected for at least 3-5 years.
Which state has the highest insurance increase after DUI?
North Carolina has the highest average increase at 317%. Michigan (93%), California (87%), and Georgia (85%) also have high increases.
This calculator provides estimates based on 2025 industry averages. Actual rates vary by insurer, location, and individual factors.