How can I lower my car insurance after a DUI?

I got a DUI a few years ago, and my car insurance bill is still through the roof even though my driving record has been perfect since then. How can I lower my car insurance costs after a DUI?

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Mary Alice Morris · Answered on Jan 06, 2023
Reviewed by Shannon Martin, Licensed Insurance Agent.
Keeping a clean and clear driving record for the past few years is excellent, and it’s exactly what you should be doing to attain cheap car insurance. The problem is, it takes time to overcome a DUI on your driving record. It may affect your insurance rates for up to 10 years!
However, there are still a few things you can try to get a lower rate while you wait for the DUI to stop haunting you. Start by looking at insurance quotes online. By comparison shopping, you might find a car insurance policy with a better rate than what you’re paying today.
Another less advisable option is dropping some of your coverage.
Generally, keeping comprehensive coverage and collision coverage is a good idea, but it will make your bill higher. Dropping to your state’s minimum required coverage amount, which might just be liability coverage, could help you save.
Ultimately, though, the best thing to do is keep plugging along with safe and careful driving to keep your record clean. Each day you’ll get a little closer to better rates on your car insurance!
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