How Long Does a DUI Affect Car Insurance?

The Reality of Drinking and Driving

Drinking and driving is not just a crime; it’s a serious health hazard. Every day, thousands of people are injured or killed in accidents involving alcohol. According to the National Highway Traffic Safety Administration, in 2018, 10,511 people were killed in alcohol-impaired driving crashes. That is almost 30 people every day. Despite these sobering statistics, many people still choose to get behind the wheel after drinking. One of the consequences of a DUI conviction is an increase in car insurance rates.

What Is a DUI?

A DUI, or driving under the influence, is a criminal offense in which a person operates a motor vehicle while impaired by alcohol or drugs. In most states, the legal limit is a blood alcohol concentration (BAC) of 0.08 or higher. Operating a vehicle with a BAC over the legal limit is considered a crime. Depending on the state, a DUI can also be charged if a person is found to be impaired even if their BAC is below 0.08.

How Does a DUI Affect Car Insurance?

When a person is convicted of a DUI, their car insurance premiums will typically increase. How much the premiums increase will vary from company to company, but it is typically at least 20 percent. The increase could be even higher depending on the company and the severity of the DUI. In some cases, the company may even choose to cancel the policy altogether.

The increase in premiums is usually in effect for three to five years after the DUI. If the person is convicted of multiple DUIs, the increase could be longer. In some cases, the insurance company may choose to cancel the policy after multiple DUIs.

What Are the Alternatives to a DUI?

The best way to avoid a DUI is to not drink and drive. If you are going to be drinking, it is best to stay safe and arrange for a designated driver or take a taxi or ride-sharing service home. This will help avoid a DUI and save money in the long run.

If you find yourself in a situation where you have to drive, it is important to know your rights. You may be able to challenge the DUI in court if you were not driving recklessly or if the police did not have sufficient evidence to charge you.

Conclusion

A DUI can have a serious impact on your car insurance rates. In some cases, the rate increase could be as much as 20 percent or more. The increase will typically last for three to five years, or longer if the person is convicted of multiple DUIs. The best way to avoid a DUI is to not drink and drive. If you find yourself in a situation where you have to drive, it is important to know your rights and to challenge the DUI in court if necessary.