Does A DUI Affect Life Insurance Rates?

  1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Yes, in under many carrier's if you have had a DUI it is likely that you will pay more than someone that does not have a DUI. Every carrier has their own paramenter for the types of risks that they are currently willing to accept and also their own weighting method for the risks that they are willing to accept. Please contact a local agent to find out more about coverage availability and pricing in your area.
    Answered on October 27, 2013
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  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    A DUI can affect life insurance rates, or even cause a decline. But if the DUI happened years ago, it may not affect your rate at all. The key factor with a DUI is how long ago it occurred; whether there was more than one DUI; and, if alcohol treatment was ordered, whether you continue to drink alcohol. One DUI over 5 years ago will affect rates far less than repeat DUI's within a few years, especially if alcohol abuse/addiction is present.
    Answered on October 28, 2013
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