How DUI Convictions Affect Your Car Insurance in Pennsylvania

A DUI conviction in Pennsylvania goes beyond fines and license issues — it significantly impacts your auto insurance rates. Here's how:

📈 Premium Increases You Should Expect

According to MoneyGeek, Pennsylvania drivers can see rates rise from around $1,742 to $3,033 annually — a 74% increase after a DUI :contentReference[oaicite:1]{index=1}. Other sources (Attorney McInroy, Bankrate) estimate hikes up to 80% :contentReference[oaicite:2]{index=2}.

📉 Limited Insurer Options

Some companies may cancel or refuse renewal after a DUI :contentReference[oaicite:3]{index=3}. You may have to switch to high‑risk or non‑standard insurers, often at much higher rates.

⏳ Duration of the Impact

The DUI remains on your record for 10 years in PA, affecting insurance during that period :contentReference[oaicite:4]{index=4}. Rates may gradually decrease after 5 years without further infractions :contentReference[oaicite:5]{index=5}.

🚗 Softening the Blow: What You Can Do

• Shop around — insurers like Travelers, Erie, Progressive may offer relatively better rates :contentReference[oaicite:6]{index=6}.
• Complete a defensive driving course to qualify for discounts.
• Regain a clean record — premiums steadily drop over the years.

⚖️ Legal Relevance

While SR‑22 is not mandatory in PA for DUI convictions :contentReference[oaicite:7]{index=7}, some policies may require it. Check with your provider.

Conclusion

A DUI in Pennsylvania can nearly double your insurance costs and severely limit options for years. Acting promptly to mitigate costs—through comparison, education, and time—is crucial.