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How long does a DUI stay on your car insurance record?

A drunk driving charge is hard to deal with — but a conviction is vastly harder. Once a DUI charge is on your record, it may influence many aspects of your life for a long time to come. 

A DUI conviction may affect your ability to keep your license. You may lose your job or have your professional licenses threatened. You could even end up having difficulty getting car insurance.

Does a DUI stay on your record forever?

A DUI charge and conviction will stay on your criminal record forever (unless you’re able to get it expunged). Your insurance record is an entirely separate issue. How long your conviction will stay relevant to your driving record varies from state to state. In Iowa, a DUI will affect your driving record for 12 years. 

During the 12-year period, you may find that your car insurance is more expensive or that you are required to have a special, high-risk policy. There are insurance providers who will work with people who have a DUI or two, but you should expect to pay a higher premium so long as the conviction is on your record. After that point, your insurance rates will drop again, and you’ll have more options.

The increased insurance costs associated with a single DUI is one of those “hidden” consequences that many people don’t anticipate when they plead guilty — and it can cost thousands of dollars over time.

How can you protect yourself after a DUI charge?

The best thing you can do, naturally, is to scrupulously avoid ever getting behind the wheel after drinking. If you make a mistake, however, being aware of the long-term financial consequences of a conviction can help you decide what you should do next. Generally speaking, it’s wisest to speak to your attorney about your possible defenses. Our website has more information on DUIs in Iowa. Please continue reading to learn more, or contact us directly to discuss your case.