In most cases, an at-fault accident or moving violation will increase your premium for 3–5 years, depending on the carrier and severity. A DUI can increase rates 50–100% or more, and some carriers won’t write a new policy with a DUI in the past 3–5 years. The advantage of working with an independent agency: because we represent multiple A-rated carriers, we shop your policy across companies that have different appetites for prior incidents. What’s a deal-breaker for one carrier may be acceptable to another. If you’ve had a recent accident, ticket, or DUI, call us at 301.468.9600 — we’ll find the most competitive option available.