Understanding Insurance

How Does a DUI Affect Your Insurance Rate?

Posted by Allison Ruuska on 3/10/2008 at 1:00 PM

If you're caught driving under the influence, it's likely that your insurance premium will be affected.

We understand that receiving a DUI* can be a difficult experience. As you can imagine, having a DUI on your driving record means you'll be paying for it long after your court or legal interactions have ended. In fact, a DUI often directly impacts what you pay for auto insurance. Here's why.

 

Driving Records Show DUIs

Your driving record shows if you have a DUI conviction. If you want to purchase an auto policy with a company, it generally requests and reviews a copy of your driving record, during which the DUI will be noted. If you're renewing your auto policy, your driving record also may be reviewed to properly set your insurance rate.

You May Be Considered a Higher Risk Driver

A DUI affects what insurance companies charge you for insurance because they may consider you a higher risk driver. Often, points are added to your driving history because of a DUI. When insurance companies assess this history, they may charge you more if you have more points than the average driver.

Some insurance companies may not even insure you if you have a DUI on your record. Progressive will insure you regardless of whether or not you have a DUI, though we do charge you appropriately for one.

SR-22 Filings May Be Required

Most of the time, you'll also have to file an SR-22 if you're convicted of a DUI. An SR-22 is a statement of financial responsibility that serves as proof that you have the proper amount of insurance that your state has required you to have. Your insurance company may file the SR-22 for you (generally, Progressive does), but be sure to check with your company for their standard procedure.

Depending on your situation, you may have to file an SR-22 for several years. The amount of time an SR-22 remains active is based on your state and the incidental factors surrounding your DUI. Having an SR-22 often puts you in the higher risk category with auto insurance companies, which means your rates could increase and remain higher several years after you receive a DUI.

Though a DUI doesn't inherently cause your insurance rates to increase, it most likely will. If you get a DUI, it's not the end of the world. However, expect to pay for it for at least a few years — especially if it concerns your auto insurance.

*Depending on your state or jurisdiction, the offense may be called a DUI, DWI, OWI or other acronym. For this article, references to DUI encompass all offenses that apply to driving or operating a vehicle under the influence of alcohol or drugs.

The information in this blog may vary based on your particular state or situation. Always refer to your insurance policy for your specific coverages.

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Comments

If i allowed a friend to use my car and it was totaled, would i still be covered if i have full coverage except for loan/lease payoff? And if my friend was arrested for a dui would i still be coverd
Posted on 3/7/2010 at 12:17 AM by Tarren
@Tarren, I'm sorry about your accident. To give you definite answers to your questions, we'd need to know a few more details about the accident. In general, though, damages that occur while a friend is driving your insured car would be covered, but it depends on different factors. Please call our Claims team at 1-800-274-4641 to report this claim, so a rep can discuss the situation with you, let you know what coverages are available and would apply, and what your options are if the car is a total loss.
Posted on 3/8/2010 at 2:56 PM by Brittany R.
I was wondering, in general how much higher are a high risk driver's insurance premiums compared to more of a low risk driver.
Posted on 4/28/2010 at 8:42 PM by Vaugn M.
@Vaugn M, Your driving history is just one of many factors Progressive uses to calculate your rate, so different drivers (even if they have similar driving records) will have different rates. The best thing to do if you’re curious about your rate is to get a quote. There’s no obligation to buy when you quote, and you'll find out your personalized rate, not an estimate.
Posted on 4/30/2010 at 7:20 PM by Brittany R.
What if I am the primary insured and my spouse who is on my policy receives a DUI and license suspension. Can I simply remove her from the policy and/or exclude her from coverage since she can't drive during the 2-year license suspension?
Posted on 7/27/2010 at 12:30 AM by Jose
@Jose, please call us at 1-800-776-4737 to find out if you can remove your spouse from your policy, since options vary by state.
Posted on 7/27/2010 at 4:01 PM by Brittany R.
I'm in MS, and have been charged with DUI (drugs). If I plead "No Contest" in a lower court, appeal to a higher court and get a judgment of NOT GUILTY (or the case is dismissed), will this affect my rate?
Posted on 8/13/2010 at 1:20 PM by Matt
@Matt, If this DUI is removed from your driving record by the time you renew your policy with us, then the violation won't impact your rate. Give us a call at 1-800-PROGRESSIVE if you have questions about your specific driving history.
Posted on 8/18/2010 at 2:23 PM by Brittany R.
How long does it take for rates to go down after a DUI? Does that make a spouses rate more expensive as well if on the same policy or does it just add to the rate?
Posted on 10/4/2010 at 4:02 PM by Christine
@Christine, Typically, it would take about three years. However, you could list your spouse as an excluded driver on your policy—which means he isn’t covered if he drives—and then his violation won’t impact your rate. (This option, however, isn’t available in every state.)
Posted on 10/7/2010 at 4:27 PM by Brittany R.
I was convicted of DWI three years ago. I live in NY (Brooklyn). What would approximately be the annual rate to insure a motorcycle (ex: Suzuki 650 DR)?
Posted on 10/27/2010 at 11:19 AM by Gerald
@Gerald, Please start a quote, and we'll price a motorcycle policy for you. It only takes about 6 minutes.
Posted on 10/28/2010 at 3:13 PM by Brittany R.
Hi: If my boyfriend got a DUI in 1993, would it still affect our auto insurance?
Posted on 11/9/2010 at 8:35 PM by Julie
@Julie, No, it won’t. We only review the last three years of your driving history.
Posted on 11/12/2010 at 8:00 AM by Brittany R.
Will progressive insure CDL truck driver with 1 DUI?
Posted on 12/1/2010 at 9:42 PM by Todd
@Todd, Please start a quote--we'll price a policy for you. If you're looking for personal auto insurance, you can start a quote on this page (just scroll up). If you need commercial auto insurance, visit progressivecommercial.com to get your quote.
Posted on 12/6/2010 at 12:58 PM by Brittany R.
Do boaters insurance premiums go up after a DUI (obtained in a vehicle not in a boat)?
Posted on 12/16/2010 at 12:38 PM by Marissa Rennaker

@Marissa, Unfortunately, yes—they could go up, since we consider your driving history when we determine your boat insurance rate.

Posted on 12/21/2010 at 11:25 AM by Brittany R.
i had a dui in october of 2006. can you tell how long this will be dropped so my premiums will be go down or be reduced. thank you frederick w. graves.
Posted on 12/21/2010 at 11:41 AM by frederick w. graves
Say if you get a DUI how much will your insurance go up if your paying 600 a month now between car payment and car insurance.
Posted on 12/23/2010 at 1:27 PM by mikey
@Frederick, Generally, we consider only the past three years of your driving history, so your DUI should not affect your current rate. Please call us to review your policy: 1-800-776-4737.
Posted on 1/6/2011 at 10:07 AM by Brittany R.
@Mikey, We'll need more information from you in order to quote you a rate. Please start a quote--it's free and takes about six minutes. Or, if you're already a customer, give us a call at 1-800-776-4737.
Posted on 1/6/2011 at 10:08 AM by Brittany R.
In the state of VA, I was convicted of a DUI but ended pleaing down to wreckless driving. Will I still need an SR-22?
Posted on 1/6/2011 at 3:57 PM by Mike S
I was charged with a DUI in Dec 2008. I was convicted Jan 2011. Does this mean 2 years of driving history has already passed, or will my insurance increase from Jan 2011 though Jan 2014?
Posted on 1/15/2011 at 7:21 AM by Marin
@Marin, The period of time during which an accident or violation is chargeable varies by state. Some states use the date of the incident. Others use the actual conviction date.
Posted on 1/20/2011 at 2:09 PM by Progressive
I received a DUI in Feb.2008,I read somewhere that 35 months after that incident I could call and negotiate a lower premium,is this true or would I need to wait til Feb.2011?
Posted on 1/31/2011 at 2:36 PM by tiffany
@Tiffany, You probably want to wait until February 2011 to call for a policy review. Generally at Progressive, we review the last three years of your driving history.
Posted on 2/4/2011 at 3:53 PM by Progressive
I was arrested for a DUI in Connecticut and am participating in a pretrial alcohol education program which will lead to the dismissal of my charges within the year. Once my DUI is dismissed and my records are erased, will I still have to pay the higher car insurance rates I am currently being quoted?
Posted on 2/7/2011 at 10:15 PM by Melissa
I was arrested for DUI all the way back in Oct 2007, but because of various appeals and court delays, my conviction will be dated in Mar 2011, next month. I have been a Progressive customer since 2009. Will Progressive use the date of offense or date of conviction in order to determine my rate when I renew?
Posted on 2/14/2011 at 1:20 PM by Phil
@Melissa, Please give us a call (1-800-776-4737) after the DUI is removed from your driving record, and we’ll adjust your rate accordingly.
Posted on 2/15/2011 at 8:52 AM by Progressive
@Phil, It depends where you live. Some states require insurance companies to use the conviction date when determining rates. Please give us a call, so we can give you specifics for your state.
Posted on 2/18/2011 at 1:38 PM by Progressive
I live in Texas. In Texas do you look at Incident Date or Conviction Date. My DWI incident was in 2007 but the conviction was only in 2011. Please advise. Thanks for all your help.
Posted on 2/24/2011 at 6:15 PM by Ron
@Ron, In Texas, we use the incident date.
Posted on 3/7/2011 at 12:36 PM by Progressive
If i receive a dui in dec 2007 and then another one in feb 2008, when will my rate go down. In Nj do you go by the incident date or the conviction date?
Posted on 3/29/2011 at 9:06 PM by latoya
@Latoya, It takes about three years for your record to clear. In New Jersey, we use the conviction date for any violations within the past 36 months.
Posted on 4/8/2011 at 12:31 PM by Progressive
My son was involved in a DWI while driving his girlfriend's car. She is now being denied coverage because of his DWI. It is very unfortunate that she has to be penalized for his stupidity. Please advise.
Posted on 4/12/2011 at 5:57 PM by Maria Vazquez
I live in Montana and got a DUI back in February of 06 and I am a progressive customer. I am still paying the same amount ever since it happened. I was wondering how long I will have to pay this much for my insurance?
Posted on 4/14/2011 at 5:26 AM by Tyler
I had a friend on my policy and she got a dui with accident and bodily injury in SC. How will this affect me since the policy is in my name?
Posted on 4/14/2011 at 1:23 PM by paula
@Maria, We need more information to answer your question. Please give us a call at your convenience: 1-800-776-4737.
Posted on 4/22/2011 at 1:42 PM by Progressive
@Tyler, Generally, your record clears three years after a violation. But, in some states, we’re required to use the conviction date, which is different from the incident date. Please give us a call, so we can do a quick, free policy review for you: 1-800-776-4737.
Posted on 4/22/2011 at 1:43 PM by Progressive
@Paula, We need more information to answer your question. Please give us a call at your convenience: 1-800-776-4737.
Posted on 4/22/2011 at 1:44 PM by Progressive
My mom is the primary insured and I'm on her policy. I have to file for SR-22 for my DUI. Would Progressive file SR-22 for me if I'm not the primary insured? Would my DUI affect my mom's record?
Posted on 5/10/2011 at 11:41 AM by Tommy
if you have the sr-22 can you not make monthly payments or do you always have to pay total cost up front?
Posted on 5/16/2011 at 12:15 PM by lisa
@Tommy, Yes, we can file an SR-22 for you. It doesn't have to be the primary named insured. Also, your DUI will only impact your driving record and premium, not your mom’s.
Posted on 5/17/2011 at 3:07 PM by Progressive
@Lisa, Generally, filing an SR-22 doesn’t affect your bill pay options. Please log in to your policy or call us at 1-800-776-4737 to review your options.
Posted on 5/17/2011 at 3:08 PM by Progressive
I was just pulled over for my first DWI. My license will be suspended for 30days sometime in the next few months. I have to file a SR-22 to get it reinstated. I'm currently with Allstate, but they are high and i want to shop around for new insurance for both my car and home. If i switch insurances now and go with Progrssive, how do I know if they will do the SR22 when i need it and is there any way to know how much it will increase when this happens?
Posted on 5/24/2011 at 12:34 PM by Natalie
I was wondering if the 3-year window in North Carolina i based on the date of incident or date of conviction? Thanks.
Posted on 5/27/2011 at 6:11 AM by Pete
@Pete, For DUIs and other violations, we use the conviction date.
Posted on 5/31/2011 at 4:05 PM by Progressive
@Natalie, We can take care of filing an SR-22 for you. You can get a free auto quote on our site to find out how much it would cost for a Progressive policy and for your SR-22 filing.
Posted on 5/31/2011 at 4:06 PM by Progressive
In NY, Do you use the incident or conviction date for DWI
Posted on 5/31/2011 at 8:52 PM by Rick
In Michigan, a DUI offense stays on the driver's record for life. Does this mean that a driver convicted of a DUI, if this driver is a Progressive client, will have to pay the higher premiums for life or will they have the opportunity for a lower fee after the 3 year period?
Posted on 6/2/2011 at 1:23 PM by Kati
I live in MI and my license is currently suspended due to a DUI (offense 2007/conviction 2008). I should get it back in a week and am trying to find out what i'll be able to afford. Can i still get a quote if my current license status is suspended?
Posted on 6/4/2011 at 8:27 PM by stacy
My brother-inlaw (not on the policy) borrowed his fathers car but doesnt plan on telling his father he was caught drinking and driving. Will this affect my father-inlaw's insurance with you and will you notify him why his insuance is changing?
Posted on 6/6/2011 at 10:38 AM by Carrie
In Kentucky do you go by the incident or conviction date?
Posted on 6/12/2011 at 6:48 PM by Amy
@Carrie, Since your brother-in-law isn't on his father's policy, his DUI violation shouldn't affect his father's rate. However, it's important for your brother-in-law to understand that if he drives the car without his father's permission, he won't be covered by his father's insurance if he has an accident.
Posted on 6/13/2011 at 9:44 AM by Progressive
@Stacy, Yes, we can still quote a car insurance policy for you. You can start a quote online--it takes about six minutes--at the top right of this page.
Posted on 6/13/2011 at 9:45 AM by Progressive
@Kati, We consider violations (using the occurrence date) within the last 35 months when determining your rate.
Posted on 6/13/2011 at 9:48 AM by Progressive
@Rick, In NY, we use the conviction date. However, we also consider details like the inception month and the year the policy incepted. Please call us for more details: 1-800-776-4737
Posted on 6/13/2011 at 9:54 AM by Progressive
In AZ do you use conviction or occurrence date for a DUI. I got stopped 1-25-09 plead guitly 11-05-09 would like to know when I would be considered for better rates.
Posted on 6/17/2011 at 3:48 PM by Kevin

@Amy, We use the occurrence date for accidents and violations in KY.

Posted on 6/28/2011 at 4:10 PM by Progressive
@Kevin, We use the occurrence date in AZ.
Posted on 6/28/2011 at 4:13 PM by Progressive
I live in Mississippi and have a MS drivers license, which is on my Progressive account. Before I moved here, I got a DUI in Tennessee. It occurred in Sept 2007 but was convicted in May 2009. How long will this affect my rates? Will my rates remain higher for the entire time SR-22 is filed?
Posted on 7/5/2011 at 1:06 AM by Betsy

@Betsy, The DUI will be listed on your policy for 35 months, starting on the occurrence date. Once 35 months have passed, we'll remove the violation at your next renewal.

Posted on 7/13/2011 at 4:27 PM by Progressive
My daughter's DWI in CT has been erased from our auto insurance (Progressive). My umbrella insurance was cancelled due to her DWI. It has been over 3 years now; can I get umbrella insurance now?
Posted on 7/26/2011 at 6:46 PM by Ann Marie Curran

@Ann Marie, Please call us at 1-877-777-1783. We need a little more information from you to answer your question.

Posted on 8/11/2011 at 9:08 AM by Progressive
I got my DUI in California in which I pleaded No Contest and it was reduced to a Wet Wreckless. Does it make a difference if it was reduced to a Wet Wreckless? AAA just dropped me from my insurance...
Posted on 8/12/2011 at 1:28 PM by CRISTINA
@Cristina, Neither a DUI or Reckless Driving violation would prevent you from insuring your car with us. We can quote an auto policy for you online, and if you choose to buy it, the Reckless Driving violation would stay on your policy for 36 months after the occurrence date. At that point, we’ll remove it.
Posted on 8/19/2011 at 7:24 AM by Progressive

I am a 41 year old female and I received a DWI in Arkansas in Mar 2010. I went to court in August 2010 and was convicted. My insurance rates have not went up but I'm thinking about trading vehicles and I'm not happy with my presnt carrier. If I get a quote for insurance on a new vehicle or just transfer my insurance, is this automatically going to make my insurance go up even if I decide not to trade and insure it? How much of an increase would it be?

Posted on 8/28/2011 at 5:46 PM by Justina
for determining rates do you use conviction date or violation date in Minnesota?
Posted on 8/29/2011 at 3:22 PM by steve
I was arrested for dui and had a pretrial license suspension. The charges were later dismissed. Will this effect my insurance rates?
Posted on 8/30/2011 at 7:55 PM by Kevin
@Kevin, To be sure, you should confirm what is listed on your Motor Vehicle report . . were the suspension and DUI removed completely by the state or replaced with a lessor vilotaion (i.e - reckless driving)? You can then call, to confirm what information we have listed on your policy (that is if you're insured with us). The number is 800-776-4737. I hope this response helps.
Posted on 9/12/2011 at 9:23 AM by Progressive
@Steve, In Minnesota, we use the violation date (we refer to it as the occurance date).
Posted on 9/12/2011 at 9:37 AM by Progressive
@Justina, If you change insurers, they are most likely going to get an up to date MVR, which will show the DWI. It will impact your rate - but because rates are not soley based on violations, the result may or may not be more that what you pay today.
Posted on 9/12/2011 at 11:29 AM by Progressive
In Michigan, is occurrence date or conviction date used?
Posted on 9/15/2011 at 9:56 AM by John
If I have full coverage on both my vehicles , and get into a single party accident in one of them ( went off the road into some rocks) and total my vehicle, and was arrested for a DUI, in Hawaii , and there is a lien ( bank loan) , and the collision repair shop gives me a really high repair estimate( more than KBB value), would Progressive pay to fix , or replace the vehicle, and would they drop me from coverage due to the DUI and repair costs ??
Posted on 9/21/2011 at 2:02 PM by royandaoy
I had my DUI in Sept 2008. I was charged with a wet and reckless (0.05 breath test) When will my insurance rate drop and I no longer need an sr-22?
Posted on 9/22/2011 at 2:55 PM by van
I have received a second dui in arizona will i lose my insurance?
Posted on 9/26/2011 at 1:09 PM by Kristen
I am an Ohio resident and have been a Progressive policy holder since 2000. I received a DWI in Indiana in September of 2008. I was not convicted until February of 2009. Which date will the DWI drop off.
Posted on 9/29/2011 at 5:08 PM by James
@Kristen - No, you will not lose her insurance as a result of the DUI. As long as the state allows you to keep your license, we can continue to insure you.
Posted on 10/3/2011 at 9:06 AM by Progressive
@Van - It would be best if you call 800-776-4737. The experience period or length of time we charge for a ticket/accident varies by state. The earliest would by 35 months from the date of the incident. It is also important to note that some states require that we used the occurrence date (date you got the ticket) and others require that we use the conviction date (the date you were officially charged). Again, give us a call.
Posted on 10/3/2011 at 9:15 AM by Progressive
@royandroy - We will not cancel solely due to the DUI. As long has the state allows you to keep your license we can insure you. However, the DUI as well as the accident will impact your rate. As far as the accident. First, you need to call (800-925-2886) or go online (http://www.progressive.com/claims/) and file a claim. We will assign an Adjustor who will assess the damage to the vehicle and work with Progressive approved repairs facilities to determine if is or is not repairable. The Adjustor will also review the policy to make sure that the appropriate coverage is in place. Insurance companies determine whether or not to repair vehicle in the event of a claim based on the Actual Cash Value (ACV) of the vehicle. KBB value is a good place to start but does not encompass all the tools insurance companies use to determine the ACV. If the cost of repair is more than the ACV, then the vehicle will be declared a total loss. For total losses, insurance companies payout the ACV to the insured or lienholder. If the insure owes more on their loan than the value of the vehicle, then they must pay the difference unless they have purchased Gap coverage. Gap coverage or Loan/Lease Payoff will pay all or a portion of the remaining amount owes to the Lienholder. This type of coverage is typically purchased through the Lienholder but is also often offer by the auto insurer (we offer Loan/lease payoff, which pay a % of the gap).
Posted on 10/3/2011 at 9:23 AM by Progressive
@James, Ohio uses the occurrence date for violations, so your DWI will drop off 3 years after the date of occurrence.
Posted on 10/19/2011 at 8:25 AM by Progressive
If my husband was on my insurance and rec'd a dwi in 2009 on another insurance policy and i get another policy with you in my name, without my husband, will rates effect me even though it wasn't me that have the dwi?
Posted on 10/20/2011 at 5:38 PM by DEBBIE
What about Arkansas, occurence or conviction date?
Posted on 10/27/2011 at 6:54 PM by robey
In Georgia do you use the occurance date or the conviction date when checking drivin records
Posted on 10/31/2011 at 3:17 PM by jai
My new wife has a pending DUI (not yet gone to trial) she is in a pre-trial program that upon completion will have her charges reduced to a reckless driving. We are in Florida. I have a couple of questions. Is it possible for me to have a policy with 2 vehicles but exclude her from one of the vehicles so that the rates only reflect the DUI on the vehicle she drives, I have a manual transmission that she can not even drive? Is there a significant difference in rates between a DUI and a wet reckless driving? Is Florida a state where you consider the date of the offense or date of conviction?
Posted on 11/7/2011 at 3:05 PM by Brian
What are the rules in florida? DOes it go by the date of the incident or the date of the conviction? Also, is there a big difference in terms of insurance if the charge is reduced to a reckless driving as opposed to a DUI? In Florida, is it possible for me to exclude my spouse from one vehicle on the policy that she never drives so that her driving record only affects the premium on the vehicle she drives?
Posted on 11/17/2011 at 4:41 PM by Brian
I recently, unfortunately, got a DUI. My auto policy (another agency) is set to renew in August 2012. I understand it takes 3 years for my rates to go back to normal. If I choose not to drive for the three years since my conviction date and apply for insurance in 3 years, will I need to start the 3 years of "increased fees" at that point, or can I just apply for a normal, non SR-22 policy then?
Posted on 11/19/2011 at 1:25 AM by hecc
I am charged with 3rd Degree DUI in MN (blew over .16) and am considering Ignition Interlock. I have a form I must send to Progressive to be signed. Will my rates increase immediately or upon renewal? I have not yet been convicted, as we are just beginning the process of court proceedings, so do you immediately raise the rates eventhough the court case is not complete? Thanks!
Posted on 12/2/2011 at 8:15 PM by Donna
Do you use the arrest date or conviction date for DUI's located in Tampa, Florida? Thanks!
Posted on 12/13/2011 at 1:34 PM by John
@Brian: Please call us at 1-800-776-4737, so we can better understand your situation and resolve your questions.
Posted on 12/19/2011 at 11:36 AM by Progressive
@Brian: Please call us at 1-800-776-4737, so we can better understand your situation and resolve your questions.
Posted on 12/19/2011 at 11:36 AM by Progressive
@Hecc: Please call us at 1-800-776-4737, so we can better understand your situation and resolve your questions.
Posted on 12/19/2011 at 11:38 AM by Progressive

@Robey: We use the occurrence date for accidents and violations in Arkansas.

Posted on 12/19/2011 at 4:09 PM by Progressive

@Jai: We use the occurrence date for accidents and violations in Georgia.

Posted on 12/19/2011 at 4:14 PM by Progressive
@Debbie: If you're married, your spouse would need to be listed on your policy. However, if he doesn't use your vehicle, you may be able to list him on your policy where he's not covered, and it doesn't affect your rate. For more information, please call us anytime at 1-800-776-4737.
Posted on 12/19/2011 at 4:51 PM by Progressive
@Donna: In Minnesota, we do use the occurrence date for violations. We don't add violations to your policy midterm. We will review the driving history at renewal and make any necessary changes.
Posted on 12/20/2011 at 9:55 AM by Progressive
@John: We use the occurrence date for Florida DUI's.
Posted on 12/20/2011 at 10:09 AM by Progressive
My wife was arrested for DUI in California in July. The court has not filed any charges, but the officer took the license and sent it into the DMV. She's not had a license and not driven since the incident. We visited DMV and they said on 1/5/12 she's eligible to get her license back, but needs an SR-22 on file and pay a reinstatement fee. We are current Progressive customers. Will you file the SR-22 even though there is no conviction?
Posted on 12/25/2011 at 12:59 PM by Matthew
In the state of Indiana is it 3 years from the arrest date or the date of conviction that insurance rates will come down?
Posted on 12/29/2011 at 10:29 AM by John

@Matthew: We would be happy to update your policy and add an SR22 for your wife. You can do so online by logging into your policy at http://bit.ly/pgrSave or by calling us anytime at 1-800-776-4737.

Posted on 1/3/2012 at 5:17 PM by Progressive
How long do DUI stay on someones driving record? Do they ever drop off after a while?
Posted on 1/4/2012 at 2:29 AM by Michael
@John: We use accidents and violations from the past 35 months. We base these on the occurrence date, not the conviction date.
Posted on 1/4/2012 at 3:49 PM by Progressive
Hi, In California do you go by the incident or conviction date? Thanks!
Posted on 1/4/2012 at 11:56 PM by Elizabeth
Just curious as we have a new teen driver in the house, if our minor son is on our policy and has an accident while DWI, will Progressive insurance deny the claim for the accident?
Posted on 1/5/2012 at 5:33 PM by Birdie
Do you use the arrest date or conviction date for DUI's located in California? Thanks!
Posted on 1/5/2012 at 11:07 PM by Elizabeth
@Elizabeth: In California, we use the occurrence date, not the conviction date.
Posted on 1/9/2012 at 10:31 AM by Progressive

@Michael: Generally, DUIs do drop off the driving record after a period of time. The rules vary by state and range from 36 to 60 months. Give us a call anytime at 1-800-888-7764, and we can review how it works in your state. 

Posted on 1/9/2012 at 4:26 PM by Progressive
@Birdie: If a driver is listed on your policy as covered/rated, they would be covered in the event of a claim. If you have additional questions, please call us anytime at 1-800-4476-4737.
Posted on 1/10/2012 at 7:57 AM by Progressive
I recently got a reckless driving charge in GA and was wondering if my insurance was going to go up with just liability and if it does how much of an increase can I expect.
Posted on 1/17/2012 at 9:19 PM by Ryan A
my sons friend was driving them home in my car and swearved to miss a deer ad totaled the car. no damage to other property. someone called the police and when we went back to the car the police sited my sons friend with dui. will my insurance cover it. my sons friend has no insurance. will my insurance drop me.
Posted on 1/20/2012 at 2:46 PM by lisa
@Lisa: As a general rule, insurance follows the vehicle, and most insurance companies don’t cancel for a single violation. However, every insurance company treats claims differently and may have additional rules in place regarding DUIs and non-listed drivers. For specific answers, you’ll need to contact your insurer so that they can assign a claims adjustor to work with you.
Posted on 1/23/2012 at 11:57 AM by Progressive
Here's a weird one: I received a DUI in Nevada in June of 2002 and was convicted in July 2002 (completed DUI school, etc) California DMV suspended my license in April/May of 2009 when they checked the national system while renewing my CA license. (yes, 7 years later) Went to buy a car last Saturday and insurance rates doubled due to my license suspension in 2009, even though the DUI/conviction was in 2002. Is this something I need to take up with the DMV or will Progressive make any exception?
Posted on 1/23/2012 at 1:39 PM by Kristal
I was driving my bosses car and i got arrested for DWI. No accidents, im not on there insurance policy will they insurance go up?
Posted on 1/26/2012 at 7:37 PM by Kat
i got an under age drinking charge 3yrs ago and a dui in october,i went an got insurance a couple of weeks ago and im paying for two dui's because of the under age drinking,how is that if i wasn't even driving..is that even legal???
Posted on 1/29/2012 at 4:21 PM by david
I plead guilty to a OWI first offense in Wisconsin, roughly two years ago...thus, far my car insurance rates have not shown changed. How long does it take for an OWI to affect car insurance?
Posted on 1/29/2012 at 8:52 PM by Brian
DUI in CT. With education program the case is dismissed or "sealed". Do you go by arrest date or conviction date in CT and what is the time period it takes to drop off?
Posted on 1/30/2012 at 9:55 AM by Kevin
@Kristal: This is something you'd definitely need to bring up with the state. Because the suspension happened in the last three years, it would still show on your motor vehicle report, which means it would impact your rate. Once three years have passed, you can call and request that this be updated. However, you can also try contacting the DMV now to see if the violation can be removed and motor vehicle report updated sooner.
Posted on 1/30/2012 at 10:46 AM by Progressive
@Kat: Your violation will follow you. It will be listed under your driving reports, and not on your boss' policy.
Posted on 1/31/2012 at 10:09 AM by Progressive

@David: If there's a violation listed under your record, it can be chargeable under your insurance. It's possible the violation is listed incorrectly on your Motor Vehicle Report (MVR). You can request a copy of your MVR by contacting your local Department of Motor Vehicles (DMV). If corrected, we can update your policy.

Posted on 1/31/2012 at 10:14 AM by Progressive
@Brian: Generally, an accident or violation will impact your premium at the first renewal after the incident. However, if your driving reports aren't reviewed at that time, it will take longer.
Posted on 1/31/2012 at 10:19 AM by Progressive
@Kevin: Along with a variety of other information, we review your accidents and violations from the last 35 months to calculate your premium based on the occurrence date.
Posted on 1/31/2012 at 10:27 AM by Progressive
Hello I was recently involved in an accident, where I pulled over and got a DUI for. The car that hit me drove off. I found out that the damage is around $3k.. My question is, since this happened around a week and half ago, and I just had the repair shop (familiy friend) give the estimates, will the rates increase more with the accident claim? Or should I pay myself...
Posted on 2/6/2012 at 10:27 PM by Eliot
@Eliot: You can still report the claim. Depending on how the accident is listed on your policy, it may be cheaper to go through your insurance instead of paying out of pocket. Contact your insurance provider to go over your options.
Posted on 2/8/2012 at 6:28 AM by Progressive

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