Having a DUI on your motor vehicle record is pretty serious. People who drive under the influence are much more likely to get in to accidents than those who do not. This makes it difficult to find an insurance company that wants to insure you and impossible to find one that will do so at a low rate.  The time this will affect your rate will vary by state and insurance company but three years is probably the minimum time you can expect to pay more.

It can make purchasing car insurance very expensive. You can expect to pay two or three times what a person with a good driving record would pay.

SR 22 Financial Responsibility Filing

If you are convicted of driving under the influence, you will probably be forced to find an insurance company that will file an SR-22 for you. This means that your insurance company certifies that your policy meets the minimum liability requirements for your state. It also means that your auto insurance company will notify your department of motor vehicles if you lapse your coverage. The exact requirements vary by state but the rules regarding a California auto insurance sr-22 and an Oregon auto insurance sr-22 as well as SR-22 filing in other states will be very similar.

How Long Does a DUI Affect Car Insurance?

Depending on your state and the auto insurance company you select, you can expect to pay a lot more for three to five years. You may at that point be able to qualify for standard rates. However, you may have to wait a total of ten years before you qualify for a safe driver discount.