FAQ

How much does your insurance increase after a dui

The last drink at happy hour can cost more than you ever imagined if you end up with a dui. Driving under the influence is a serious crime, and the financial repercussions can follow you for years.

There are legal and insurance consequences to face after a DUI conviction. The penalties the court can impose vary widely by state, but generally include fines, license suspension, and/or jail time.

Reading: How much does your insurance increase after a dui

Your auto insurance company will take notice, too, and you’ll typically see an increase in your insurance rates at renewal. According to Forbes Advisor analysis, the national average auto insurance rate increase for DUI drivers is 74%. That huge rate increase translates to an extra $1,470 a year for auto insurance. by comparison, the average rate increase after a speeding ticket is only 21% and the rate increase after an accident is 41%.

how does a dui affect car insurance?

driving under the influence (dui), driving while intoxicated (dwi), and operating under the influence (oui) may mean something different or may be used interchangeably, depending on state law. but what auto insurance companies see with any of these is that you are a high-risk driver.

Driving under the influence of drugs or alcohol affects judgment, coordination, and reaction times. Without having your skills behind the wheel, you’re more likely to get into an accident, and that makes auto insurance companies nervous about potential claim payouts.

The result is much higher rates than you were paying with a clean driving record.

Reviewing the average annual rate increase for all 50 states, we found that Florida drivers have the smallest average increase of 33% after a DUI conviction. Meanwhile, another East Coast state, North Carolina, has the highest average rate increase of 314%, which is actually lower than the state’s recommended increase of 340% under its incentive plan for safe drivers .

average car insurance rate increases by state after dui

how long will a dui affect my car insurance rates?

Insurance companies review your driving record before renewal time and when you apply for a policy. it’s an immediate red flag if the auto insurance company detects a dui, dwi, ​​or oui.

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Because a dui is a major violation from the insurance companies’ point of view, they can impose a high surcharge (rate increase) on you and keep your rates high for typically three to five years .

See also: After a car accident how much does insurance go up

How long your rates will stay high depends on a few variables. The first is how long a dui stays on your driving record, because having the dui on your motor vehicle record (mvr) triggers the surcharge.

The following is how long your state’s insurance laws allow a dui to increase rates. For example, in North Carolina, insurance companies can go back three years, but Massachusetts allows five years.

but a dui could affect your rates for longer than the surcharge period. for example, in california, the dui surcharge may go away, but you’re not eligible for the 20% good driver discount for up to 10 years after a dui.

how can i lower my auto insurance rates after a dui?

here are ways to find lower rates, even with a dui on your record:

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