DUI True Cost Calculator

Most insurers apply surcharges for 3-7 years after a DUI conviction. In many states, a DUI stays on your driving record for 10 years. Some insurers will non-renew your policy entirely, forcing you into the high-risk insurance market (SR-22) at significantly higher rates. This calculator conservatively estimates surcharges for 5 years.

As of 2026, most states require an ignition interlock device (IID) for first-offense DUI convictions, at least for a period after license reinstatement. Requirements vary by BAC level and state. Installation typically costs $75-$150; monthly monitoring fees run $60-$90. The total 12-18 month cost usually falls in the $1,000-$1,800 range.

Expungement eligibility varies widely by state. Some states allow expungement of first-offense DUI convictions after completion of all sentencing requirements and a waiting period. However, expungement does not remove the conviction from the DMV record, which is what insurers check. Consult a local attorney to understand your specific state's options.

No - it covers the most common direct financial costs. It does not include: bail costs, vehicle towing and impound fees, ignition interlock violation costs, potential civil lawsuit liability if an accident occurred, lost career opportunities or professional license consequences, or the cost of mandatory treatment programs beyond the education class. Actual total costs in complex cases can far exceed these estimates.