How Much Does Your Insurance Go Up After A Dui?

What is a DUI?

Most of us are familiar with the term DUI, as it has become widely used in the media and is a popular acronym. DUI stands for Driving Under the Influence, a type of criminal offense in which a person is accused of operating a motor vehicle while under the influence of alcohol or drugs. Depending on the jurisdiction, this offense can include driving a car, a truck, a motorcycle, or any other type of motorized vehicle. Under most laws, the term DUI refers to the offense of operating a motor vehicle while under the influence of alcohol, while the term DWI (Driving While Intoxicated) is used when the driver is under the influence of drugs. In any case, a DUI is a serious offense that can have long-lasting consequences, including higher insurance rates.

Why Does Your Insurance Go Up After A DUI?

The reason your insurance goes up after a DUI is simple: insurance companies consider you a higher risk. DUI offenses are indicative of risky driving habits and a lack of responsibility, which means you're more likely to get into an accident or have another incident that will require you to make a claim. Insurance companies are in the business of minimizing their risk, which means they will raise your rates to offset the potential costs of an accident. In addition, insurance companies may also increase your rates if you are convicted of a DUI, as this is a more serious offense than simply getting pulled over for suspected DUI.

How Much Does Your Insurance Go Up After A DUI?

The amount your insurance goes up after a DUI will depend on a variety of factors, including the severity of the offense, your driving record, the amount of coverage you have, and the insurance company you’re with. Generally speaking, the average increase for a first-time DUI offense is around 20-30% depending on the above factors. However, it is important to note that the increase could be much higher depending on the specifics of your case. For instance, if you have a prior DUI or have multiple points on your license, your rates could increase much more than 20-30%. It is also important to note that the increase may not be immediate. Some insurance companies may wait until your policy renews to reflect the increased rate.

What Can You Do To Lower Your Insurance Rates After A DUI?

Unfortunately, there's not much you can do to avoid the increase in your insurance rates after a DUI. But there are some steps you can take to mitigate the damage. For instance, you can shop around for a different insurance company. Different companies will have different rates and the increase in your rates may be lower at another company. You can also look into taking a defensive driving course, which may help to lower your rates. Lastly, you can look into getting additional coverage, such as uninsured motorist coverage, rental car coverage, or roadside assistance, as these may help to offset the higher rates.

Conclusion

A DUI is a serious offense that can have long-lasting consequences, including higher insurance rates. The amount your insurance goes up after a DUI will depend on a variety of factors, including the severity of the offense, your driving record, the amount of coverage you have, and the insurance company you’re with. Generally speaking, the average increase for a first-time DUI offense is around 20-30%. While there's not much you can do to avoid the increase, there are some steps you can take to mitigate the damage, such as shopping around for a different insurance company or taking a defensive driving course. It is important to keep in mind that the increase in your rates may not be immediate, as some insurance companies may wait until your policy renews to reflect the higher rate.