Wichita Bail Bonds Blog

Car insurance after a DUI is significantly more expensive, often doubling or tripling your previous premium. In Kansas and most U.S. states, drivers convicted of drunk driving can expect an average rate increase of 70% to 150%. That means a driver who paid $1,200 per year before a DUI might pay between $2,000 and $3,000 annually after the conviction. Insurance companies consider DUI offenders high-risk drivers, which leads to much higher costs and limited policy options.

Average Cost of Car Insurance After a DUI

Insurance premiums vary by state, company, and driving history. In Kansas, the average cost for full-coverage insurance after a DUI is around $2,400 to $2,800 per year. Nationally, rates often exceed $3,000 per year, depending on the insurer and the severity of the offense.

• Kansas average (post-DUI) – $2,400-$2,800 per year.
• National average (post-DUI) – Around $3,200 per year.
• Before DUI – Typically $1,200-$1,500 annually for standard drivers.
• Increase range – 70% to 150% or more, depending on the insurance provider.

Why Insurance Rates Increase

Insurance companies raise rates after a DUI because drivers with alcohol-related convictions are statistically more likely to be involved in future accidents or violations. A DUI also stays on your driving record for several years, keeping your premiums high even after you’ve completed penalties.

• Higher risk profile – DUIs indicate reckless behavior behind the wheel.
• Long-term impact – A DUI stays on your record for up to 10 years for insurance purposes.
• State reporting requirements – Kansas requires SR-22 insurance filings for proof of financial responsibility after a DUI.

The SR-22 Requirement

After a DUI conviction, Kansas law requires most drivers to file an SR-22 form for several years. This document verifies that you carry the state’s minimum required insurance coverage. Filing the SR-22 often adds extra administrative fees and can further increase your premiums.

• SR-22 filing fee – Usually $25-$50, depending on your insurer.
• Required duration – Typically 3 years after a DUI conviction.
• Failure to maintain SR-22 – May result in license suspension or reinstatement fees.

How Long High Rates Last

High insurance costs usually last for 3 to 10 years after a DUI, depending on your state’s laws and the insurance company’s policies. In Kansas, most companies review your record every renewal period, so your rates can gradually decrease if you maintain a clean driving history.

• Rate reduction – Begins after 3 to 5 years of safe driving.
• Full recovery – Premiums may return to normal after 7 to 10 years.
• Clean record benefits – Completing DUI classes and avoiding new violations helps lower costs sooner.

How to Reduce Costs After a DUI

Although insurance will be higher after a DUI, you can still find ways to lower your rates over time. Shopping around, completing required programs, and maintaining a clean record all help reduce premiums.

• Compare quotes from multiple insurers to find better rates.
• Take defensive driving or DUI education courses.
• Maintain continuous insurance coverage without lapses.
• Improve your credit score to qualify for lower-risk pricing.

After a DUI, car insurance costs can rise 70% to 150% or more, often reaching $2,500 to $3,000 per year. Rates remain high for several years, but completing requirements, staying insured, and driving safely can help reduce costs over time.