Do I have to tell my insurer?

Not proactively — but it will surface at renewal via MVR pull, and non-disclosure at application is fraud.

DUI on record?

How Much Does a DUI Raise Auto Insurance? (US)

Expect 80–200% increase for 3–7 years. Some carriers non-renew entirely. High-risk (SR-22) markets are the fallback.

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The short answer

A DUI typically raises rates 80–200% and requires an SR-22 filing in most states for 3 years. Some insurers non-renew outright. Non-standard carriers (Progressive, The General, Direct Auto) specialize in DUI risks. Costs drop meaningfully after year 3 and again at year 5 in most states.

Frequently asked

Do I have to tell my insurer?: Not proactively — but it will surface at renewal via MVR pull, and non-disclosure at application is fraud.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

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