How Much Does Insurance Go Up After a DUI?

DUI stands for Driving Under the Influence and is a major offense that can carry harsh penalties. Getting a DUI can be a very costly mistake, and one of the most costly repercussions is having your auto insurance rate increase. But how much does insurance go up after a DUI?

The answer to this question depends on a few factors, including the insurance company and the state you live in. Generally, auto insurance companies view people with a DUI as a high-risk customer and subsequently increase premiums. Some companies may even deny coverage altogether. This is especially true if an accident was involved.

Average Increase in Insurance Premiums After a DUI

The average increase in insurance premiums after a DUI can vary greatly. According to one report, the average increase was around 86%, although the range can vary from 50% to over 200%. However, in some states, the increase can be even higher. For example, in California, the average increase is over 250%.

The reason for such high premiums is that insurance companies view drivers with a DUI as a higher risk for accidents and filing claims. As a result, they need to charge higher premiums to cover the potential costs.

How Long Does the Increase Last?

The increase in premiums after a DUI can last anywhere from three to five years, depending on the insurance company and the state you live in. In some states, the increase may even last longer. Again, it depends on the insurance company and the state you live in.

It's important to understand that the increase in premiums is something that you will have to live with for some time. As such, it's important to shop around and find the best rate that you can. You may also want to consider taking a defensive driving course or taking other steps to demonstrate to the insurance company that you are a responsible driver.

Conclusion

Getting a DUI is a very costly mistake that can have long-term repercussions. One of the most costly repercussions is having your auto insurance rate increase. The amount of the increase can vary greatly, but on average, it can be as much as 86%. The increase can last from three to five years, depending on the insurance company and the state you live in.

It's important to understand the implications of getting a DUI and take steps to minimize the impact on your insurance premiums. Shop around for the best rates and take steps to demonstrate to the insurance company that you are a responsible driver.