Does A DUI Affect Life Insurance Rates? 
A DUI can affect life insurance rates , or even cause a decline . But if the DUI happened years ago , it may not affect your rate at all . The key factor with a DUI is how long ago it occurred ; whether there was more than one DUI ; and , if alcohol treatment was ordered , whether you continue to drink alcohol . One DUI over 5 years ago will affect rates far less than repeat DUI 's within a few years , especially if alcohol abuse/addiction is present . 