Notification

• Your rates will not increase until your insurance company becomes aware of the DUI conviction. You can hope this will not be until your renewal comes due and your insurer checks your driving record as a matter of course, but in practice insurers can be notified earlier, especially if you were involved in an accident. If you are required by your state to file SR-22 paperwork this will also trigger a notification to your insurer.
  
  

SR-22

• Many states require you to file paperwork called an SR-22 if you are convicted of a DUI. This is a statement of financial responsibility, and is proof to your state authorities that you are insured. The fact that you have to file an SR-22 automatically puts you in a higher risk category for most insurers, and will lead to higher rates. Most requirements for an SR-22 remain in force for three to five years.
  
  

Rates

• The amount that your rates will increase depends entirely upon your insurance company. However, it would be common for your premium to double, and not unheard of for it to triple. This higher rate can remain in force anywhere from three to seven years, or even longer in some states.
  
  

Specialist Companies

• Some insurance companies may drop your policy entirely, or you may believe you can get lower rates by shopping around. In this case, look for a company that specializes in dealing with high-risk drivers, or that guarantees coverage whatever your driving record. Progressive is one major company that will not drop you as a result of a DUI. You may also be able to bring your rates down somewhat by lowering your coverage level and raising your deductibles.