Important Facts

DUIs and Your Life Insurance Premiums

This article discusses the impact a DUI or DWI may have on your life insurance premiums. Multiple infractions can be considered behavioral risk factors and your rate could go up.

How Much is Life Insurance After You Get A DUI or DWI?

Many people are unaware of the negative impact that driving under the influence (DUI) or driving while intoxicated (DWI) may have on their life insurance rates. If your driving record has been blemished, your life insurance premiums could be affected for the next five years. Understanding how much life insurance you need and how much life insurance might cost after this type of driving infraction is crucial.

Life insurance companies deal in liability and typically view a violation of this type as a higher risk. Generally, when life insurance providers calculate your premiums, they’ll check your driving record (among other things) for recent infractions. Even if an indiscretion such as a DUI or DWI took place a few years ago, providers may not be able to offer you their best rates on life insurance premiums until a certain number of years have elapsed since your last incident. However, once that time period has expired, life insurance companies generally will disregard these older infractions.

Keep in mind that life insurance providers may also consider the number of DUIs on your driving record and rate you accordingly. Why? Because multiple infractions of this type can be considered behavioral risk factors – meaning that you’re continually putting yourself in harm’s way. That doesn’t necessarily mean that you’re uninsurable, but it does mean that you may see your premiums more expensive than they would have been without numerous offenses.

Every life insurance provider is different, and for the most part, there’s no industrywide standard approach when it comes to setting policy rates for individuals with DUIs. If you’re shopping for life insurance and you have one or more DUIs or DWIs on your record, make a point of requesting quotes from multiple life insurance providers. Some may be more flexible and forgiving than others, and can match you with the life insurance policy that will best meet your needs.

If you have more questions about obtaining life insurance or how much is life insurance and life insurance rates, the Protective Learning Center can help you find the answers you need.

Was this article helpful?

All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.

Neither Protective Life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax‐related decisions. For information about Protective Life and its products and services, visit

How Much is Life Insurance

How much is life insurance if you have a DUI on your driving record? The fact is, every insurer is different and there is no industry set rate for how much you may pay for life insurance. Consider your driving history and any additional risk factors when calculating your life insurance policy. Understanding the factors that put you at risk for a higher life insurance policy can help you to better understand what type of life insurance is best for you. If you want to learn more about how much is life insurance and how life insurance providers view a DUI infraction, this article can help. For more information, visit our learning center.