When you have been convicted of a moving violation, the increase in your premium may be significant depending on the severity of the infraction. Not only may a surcharge apply to your premium, but you might lose existing good driving discounts. Generally, a speeding ticket or accident will stay on your record from three to five years, whereas a DUI may stay on your record five to 10 years or permanently. However, the length of time a poor driving record will impact your premium depends on both your state’s department of motor vehicle laws and your insurance company.