Glossary term
Lookback period
Lookback period: How many years into your driving record an insurer looks when rating you. Three and five years are common; the conviction stops affecting your premium once it is outside the period.
Where this term matters
Guides and entries on this site that use the term.
Guide
How Much Car Insurance Goes Up After a DUI
Typical premium increases after a DUI, why the range is so wide, and how to tell whether your renewal quote is in the normal band.
Guide
How Long a DUI Affects Car Insurance
Lookback periods, surcharge windows and state record rules that decide how many years a DUI raises your premium, and when rates start to come down.
Guide
DUI Car Insurance Rules by State
Which states require an SR-22 or FR-44 after a DUI, how long the filing lasts, which states have no filing requirement, and where lookback periods are longest.
Entry
How Long You Need an SR-22 After a DUI
Typical SR-22 durations after a DUI, when the clock starts, what resets it, and how to confirm the requirement has ended before you drop the filing.
Entry
A DUI Without an Accident Still Raises Your Insurance
Why insurers surcharge a DUI conviction even when no crash occurred, no claim was filed and nobody was hurt.
Entry
When Car Insurance Rates Start Dropping After a DUI
The typical year-three and year-five step-downs, why they happen, how to time your comparison shopping around them and what else has to be true for the drop to arrive.
Entry
California Good Driver Discount Loss After a DUI (Cal. Ins. Code § 1861.025)
Understand how a DUI eliminates California's Good Driver Discount for 10 years under Cal. Ins. Code § 1861.025, how premiums change, and how to shop for coverage.