How Long Does a DWI Affect Your Insurance in New York?

Getting charged with a DWI (Driving While Intoxicated) in New York doesn’t just affect your license or lead to court fines—it can also have a major impact on your car insurance rates. Many people wonder: How long does a DWI stay on my record? How long will it affect what I pay for insurance?

Let’s break it down in simple, everyday language so you understand what to expect.

How a DWI Affects Car Insurance in New York

A DWI conviction in New York can cause your car insurance premiums to increase dramatically. Why? Because insurance companies now see you as a high-risk driver.

In most cases, your rates will go up by 50% to 100%—or even more, depending on the company. Some insurers may even cancel your policy altogether once they find out about the DWI.

How Long Does It Affect Insurance Rates?

In New York, a DWI will affect your auto insurance for at least 3 years, but in many cases, the impact can last up to 5 or even 10 years, depending on your insurer and driving history.

Here’s what usually happens:

• DWI stays on your driving record for 10 years under New York DMV regulations
• Insurance companies typically raise rates for 3–5 years after the conviction
• Some insurers may keep the DWI in your rating history as long as it’s on your record, especially if you get any additional tickets or violations

Will You Need Special Insurance After a DWI?

Yes. After a DWI conviction, New York State requires you to file an SR-22 or FR-44 form with your insurance company. This is proof that you have the minimum liability insurance coverage required by law.

Even though it’s just a form, most insurance companies treat drivers who need an SR-22 as high-risk—meaning higher premiums and stricter policy terms.

How Much More Will You Pay?

There’s no set number, but on average:

• Drivers with a first-time DWI in New York may see their insurance rates rise by $1,000 to $3,000 more per year
• If you’re under 25 or have other violations, the increase could be even higher
• Premiums usually begin to go back down after 3 to 5 years, if you keep a clean record during that time

Can You Get Lower Rates After a DWI?

Yes, but it takes time and effort. Here are some tips:

• Shop around for quotes from high-risk insurance providers
• Take a defensive driving course (some insurers offer a discount)
• Avoid any new tickets, accidents, or violations
• Once enough time has passed, ask your insurance company to reevaluate your rate

Final Thoughts: Know What to Expect

A DWI in New York can affect your car insurance for years—not just months. It can lead to higher premiums, policy cancellations, and extra paperwork like SR-22 forms. But the effects don’t last forever. With a clean record and smart steps, you can eventually bring your rates back down.

If you’ve been charged with a DWI and are worried about your insurance, consider speaking with both a lawyer and your insurance provider to fully understand your options