General Question

kenmc's avatar

How long does it take for car insurance costs to go down after recieving a DUI?

Asked by kenmc (11773points) June 8th, 2010

4 years ago, I was arrested for a OWI (operating while intoxicated, analogous to a DUI). I was 17 at the time and this obviously sent my insurance costs skyrocketing.

When will the madness end?

And please don’t get preachy at me about my mistake. I haven’t been pulled over for anything since the incident.

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16 Answers

JLeslie's avatar

Have you called your car insurance to ask them?

kenmc's avatar

@JLeslie No. The car isn’t insured under my name and so I’m guessing that they wouldn’t supply me with any information about the account.

I’m not expecting hard-line answers. Just some estimations and such.

janbb's avatar

It varies by state; you would have to check your state’s regulations.

kenmc's avatar

@janbb I’m finding this to be challenging. Every google search just brings up stuff like attorneys or sleazy insurance companies.

janbb's avatar

Can I ask what state you are in? (It’s a slow day on the ol’ ref desk.)

kenmc's avatar


I probably should have put that in the details… my bad.

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JLeslie's avatar

If no one here has an answer I think you might be able to get a general answer from your insurance if you call their 800 number maybe. Probably true if you are not the policy holder they might not give you specifics about your account, but maybe there is some sort of hard fast rule, like after 5 years without any other violation your insurance will decrease by 10 or something like that? I actually know nothing about DUI’s, hopefully someone will have a more accurate answer for you.

janbb's avatar

This document from the Michigan state government site ( has the information you need.

kenmc's avatar

@janbb @JLeslie Thank you both so much!

perspicacious's avatar

It is different in the states.

Rufus_T_Firefly's avatar

Given that most insurance companies and auto insurance companies in particular seem to raise their rates when the wind blows, I’d have to worry that your rates might NEVER go down significantly. Sorry, I’m not trying to be a drag or dash your hopes, I just know how the insurance industry operates.

YARNLADY's avatar

Our insurance company gives a discount after 5 years of safe driving and after the driver reaches the age of 25. Following that guideline, you still have at least another 4 years to go.

SeventhSense's avatar

Call any insurance company and they should be able to give you a clear answer.

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