How Does a DUI Affect Your Auto Insurance Rates? – ValuePenguin
Getting a dui will increase your car insurance rates in almost all situations, often significantly. you could end up paying twice as much for coverage, often more; On average, we found that a single dui increased auto insurance rates by 72%.
A citation for driving while intoxicated can affect your premiums for several years, up to five in some states. Whether the charge is dui, dwi, or dwai, you will often need to obtain an sr-22 form from an insurer to get your driving privileges back.
The rates increase because a driver convicted of driving under the influence of alcohol generally presents a higher risk. His insurer will learn of his status from his state’s Department of Motor Vehicles (DMV) and his driving record, so we recommend that you go ahead and notify your auto insurance company.
how much can a dui increase your car insurance rates?
On average, a DUI increases the price of full coverage auto insurance by $1,657 per year, based on our rate analysis. that’s 72% more per year. In five states, a single DUI more than doubled the price of auto insurance, and in North Carolina, a drunk driving conviction quadrupled it.
We also took a closer look at three states (new york, georgia, and illinois) to see how different major companies raised rates after a drunk driver.
Rates increased between 42% and 62% in all three states. state farm rates only increased by $246 per year for an annual policy, while geico’s increased by $3,108.
where a dui will increase insurance costs the most
The difference in the cost of auto insurance after a drunk driving conviction varies widely by state. In Pennsylvania, insurance for an adult with full coverage only goes up $625 on average after a DUI. in michigan, that average is more than $7,000.
we compiled statistics state by state to show how much a dui can affect your rates.
other factors that influence your car insurance after a dui
A wide range of factors will affect your rates after a dui, also called a dwi or dwai in some states. location plays a role, as does age, gender, the company that provides your insurance policy, and how recently you were convicted.
Age: Auto insurance companies generally view younger drivers as riskier to insure, so age plays a big role in how much your premium goes up after a conviction. insurance for an 18 year old who has been convicted of driving under the influence in the last 12 months would cost on average more than two and a half times as much as the cost for a 30 year old with the same history in georgia, new york and illinois.
Insurance rates increase nearly three times as much for young drivers after a DUI conviction than for older drivers.
Time: Rates are also influenced by the amount of time that has passed since your most recent DUI conviction. Insurance companies typically focus on the past three to five years to judge your driving record and calculate your DUI insurance quote. geico requires a minimum of 35 months of clean driving before qualifying for normal and cheaper rates after a dui.
Number of DUIs: Finally, an important factor is the number of DUIs a driver has had in the last three years. A 30-year-old man with four DUIs can expect premiums for full coverage to be 285% more expensive than premiums for someone with one DUI based on our three-state sample.
Companies: Each insurance company has a different formula for setting rates, so we recommend comparing at least three quotes to ensure you get the cheapest auto insurance rates after a dui . our sample quotes showed that different insurance companies count duis more than others.
In our survey, State Farm did not increase auto insurance rates as much as Allstate and Geico did after a DUI conviction.
how do insurance companies find out about a dui?
Your insurance company may find out about your DUI conviction when it’s time to renew your policy. Insurers generally check your driving record at this time, and the record will show recent DUI convictions. Not telling your insurance company about a dui will not prevent rate increases and your insurer may cancel your policy entirely.
The best thing you can do is be honest with your insurance company because you may need to ask them to file an sr-22 or fr-44 on your behalf. These forms prove that you have the state’s minimum liability auto insurance, which is required if you want to keep or reinstate your driving privileges.
when you ask your insurer to file form sr-22 or fr-44, you will have to pay a fee ranging from $15 to $50. you may need to keep the form on file for three to five years, depending on your state. some insurance companies won’t file for you, and if you have a long history of traffic violations, your insurer may rescind your policy entirely.
how long does a dui stay on your insurance?
Most of the time, a DUI affects your insurance three to five years after a conviction. A drunk driving violation can stay on your driving record for five to 10 years, and in some cases longer, but it likely won’t affect your rates for that long.
for example, geico will not allow drivers to qualify for their lower rates for 35 months after a violation, including a dui you may need to keep an sr-22 form on file from three to five years.
Three years after the dui, your rates will in many cases return to their normal levels, depending on your insurer. we suggest you contact your insurance provider after those three years to re-evaluate rates.
rates based on illinois, new york and georgia zip codes. A 30 year old male with a 2015 Honda Civic was used as the sample driver. The driver had a clean driving record outside of the specified violations.
Coverage limits in the study were set as follows:
state-by-state rates are from a valuepenguin dataset that includes all zip codes nationwide.
Quadrant Information Services were used to compile insurance rate data for analysis. data is publicly obtained from insurer filings. rates should be used for comparison purposes only, as your quote may be different.