Driving history is a standard part of life insurance underwriting. A DUI or pattern of moving violations signals elevated risk to underwriters — both from a mortality standpoint and as an indicator of broader lifestyle risk. The good news is that most driving-related issues become less impactful with time.
What Insurance Companies Look At
- Number of DUIs: a single DUI is treated very differently from multiple offenses
- Date of most recent DUI: within the past 1–2 years typically results in postponement; 3–5 years ago usually results in a rating; beyond 5 years may have minimal impact at many carriers
- Blood alcohol content at time of arrest
- Moving violations: reckless driving, speeding, or multiple violations within a short window raise concern
- License suspension history
- Alcohol or substance abuse treatment history: if a DUI is associated with a broader alcohol dependency issue, underwriters look for evidence of treatment and sustained sobriety
- Motor vehicle report (MVR): carriers pull your driving record as part of the underwriting process
How Carriers Typically Respond
A single DUI more than 5 years ago with no other violations can often be insured at standard or mildly rated rates. Recent DUIs (within 1–2 years) typically result in postponement. Multiple DUIs or a DUI combined with alcohol abuse history require specialist carriers and careful case presentation.
We can help you find the most favorable carriers given your driving history. Contact us for a free consultation.