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How Long Does a Dui Affect Your Insurance in Georgia

How Long Does a DUI Affect Your Insurance in Georgia?

Driving Under the Influence (DUI) is a serious offense that can have long-lasting consequences. Apart from legal penalties such as fines, license suspension, and potential jail time, a DUI can also have a significant impact on your car insurance premiums. In the state of Georgia, where DUI laws are strict, it is important to understand how long a DUI can affect your insurance.

Insurance Premium Increase

One of the immediate consequences of a DUI conviction is an increase in your car insurance premiums. Insurance companies consider DUI offenses as high-risk behavior, and as a result, they may raise your rates substantially. In Georgia, the average increase in insurance premiums after a DUI is around 50%, though this can vary depending on several factors such as your driving history and the insurance company you are insured with.

Duration of Insurance Rate Increase

A common concern among individuals convicted of a DUI is how long the increased insurance rates will last. In Georgia, a DUI can affect your insurance premiums for several years. Typically, insurance companies will keep the DUI on your record for three to five years. During this time, you can expect your insurance rates to remain significantly higher than before the conviction.

SR-22 Requirement

In addition to increased premiums, individuals convicted of a DUI in Georgia may also be required to file an SR-22 with the state. An SR-22 is a form that proves you have the minimum liability insurance required by law. This form is typically filed by your insurance company and serves as proof of financial responsibility. The SR-22 requirement may last for a specific period, usually three years, depending on the severity of the offense.

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Impact on Future Insurance Coverage

A DUI conviction can affect your ability to secure car insurance coverage in the future. Some insurance companies may refuse to provide coverage to individuals with a DUI on their record, while others may offer coverage at significantly higher rates. It is important to note that insurance companies have access to your driving record, and a DUI conviction will be visible to potential insurers.


Q: Can I switch insurance companies to avoid higher premiums after a DUI conviction?
A: While it is possible to switch insurance companies, it is important to note that most insurance companies will conduct a background check and access your driving record. Therefore, it is highly likely that your DUI conviction will be discovered, and you may still face increased premiums or be denied coverage.

Q: Will taking a defensive driving course help reduce my insurance rates after a DUI?
A: While completing a defensive driving course may help improve your driving skills, it is unlikely to have a significant impact on your insurance rates after a DUI conviction. Insurance companies primarily consider the severity of the offense and your overall driving history when determining premiums.

Q: How can I lower my insurance rates after a DUI conviction?
A: Lowering your insurance rates after a DUI conviction can be challenging. However, maintaining a clean driving record, avoiding future traffic violations, and completing any court-ordered programs or treatment can potentially have a positive impact on your rates over time.

Q: Can I remove a DUI from my driving record in Georgia?
A: No, a DUI conviction cannot be removed from your driving record in Georgia. It will remain on your record for a specific period, typically three to five years, depending on the severity of the offense.

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Q: Will my insurance rates go back to normal after the DUI is no longer on my record?
A: While your insurance rates may decrease after the DUI conviction is no longer on your record, they are unlikely to return to pre-conviction levels. Insurance companies will still consider your past driving history when determining premiums, and a DUI conviction can have a lasting impact on your rates.

In conclusion, a DUI conviction in Georgia can have significant consequences for your car insurance. The increase in insurance premiums, the requirement of filing an SR-22, and the potential impact on future coverage are all factors to consider. It is essential to understand the long-term effects of a DUI and to take steps to improve your driving record and minimize the impact on your insurance rates.

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