Insurance company guidelines, governed by state laws, dictate how long your rates will be affected by a DUI conviction. As with most minor or major convictions, a DUI will raise your car insurance rates for three years.If your state keeps the offense on your record longer than three years, and many do, it's common for this offense to affect your car insurance rates for five to seven years or more.he cost of DUI insurance can be expensive, ranging from an average premium increase of 12% to 321% depending on your state. The average cost of car insurance with a DUI is $2,143. Check out how much your rate may be affected in your state by viewing the  DUI rates by state  table below.