Car insurance premiums will almost always rise if you have a DUI on your record, and in many cases, dramatically. Getting a DUI can raise your insurance rates by as much as 72 percent, which means you might pay up to two times as much for coverage.
A DUI citation can affect your insurance costs for up to five years in some areas. There are several ways to obtain your driving privileges back after a DUI or DWI, but the most common is to get an SR-22 from an insurance company.
A driver’s premium goes up because of the increased risk posed by a person convicted of DUI. Your insurance company will learn about your predicament via your state’s DMV and driving record, so we encourage you to notify your auto insurance provider before matters get out of hand.
According to our rate analysis, a DUI boosts the annual cost of full coverage vehicle insurance by $1,657. 72 percent more every year, on average. In five states, a single DUI conviction increased the cost of auto insurance by more than twofold, while in North Carolina, a DUI convictionincreased the cost by fourfold.
A wide range of factors will influence your insurance premiums after a DUI, DWI, or DWAI in some areas. Your age, gender, where you live, who provides your insurance, and how recently you were convicted are important considerations.
Following a conviction, your car insurance price will likely rise since insurance companies view younger drivers as riskier. According to a new study, driving under the influence convictions in the past year cost 18-year-olds more than two-and-a-half times as much as insurance for 30-year-olds in Georgia, New York, and Illinois.
Following a DUI conviction, teenage drivers’ insurance premiums rise nearly three times as much as older drivers.
In addition to the length of time since your most recent DUI conviction, your rates are also affected. In order to determine your DUI insurance rate, most insurance companies go back three to five years in your driving history.
The best way to ensure you get the lowest car insurance rates after a DUI is to get quotes from at least three different insurance companies.