For how long can a DWI conviction affect your insurance rates in Missouri?

A DWI conviction in Missouri can influence your insurance rates for a substantial period, typically around five years. Insurers often consider various factors, including driving history and traffic violations, when calculating premiums. A DWI is a serious infraction, and insurance companies respond by raising rates, reflecting the increased risk they believe they are taking on with a driver who has a conviction for driving while intoxicated.

Over a five-year period following a DWI conviction, insurers closely monitor your driving record. If you exhibit safe driving behavior without any further violations, it is possible for your premium to gradually decrease after this five-year mark. However, the impact of the conviction on your insurance could last longer if additional violations occur or if the insurer uses broader criteria for risk assessment.

The other durations presented do not accurately represent the timeframe for a DWI's effect on insurance rates in Missouri. The one-year and three-year options are generally shorter than industry standards, while the ten-year option is excessive and not typical for most insurance companies' policies regarding DWI convictions.