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Car Insurance Rates After DUI/DWI

Here's what you need to know...
  • Rates can possibly double or your insurance company may cancel your policy at the time of renewal
  • Most states suspend driving privileges of convicted DUI/DWI offenders for six months
  • Several states have implemented a zero tolerance law with a six-month license suspension for the first offense

Yes, you can expect to pay the consequences for your DUI/DWI ticket, which in turn will affect your car insurance rates. Rates can possibly double or your insurance company may cancel your policy at the time of renewal.

If you are with a preferred or standard insurance company, they are not obligated to ensure you with a DUI/DWI. You may have to go with another insurance company if you want to continue driving.

DUI/DWI tickets and convictions are serious offenses to your insurance company. Penalties are stiff, more so in some states than others.

The length of time and cost of the offense depends on where you were ticketed and where your car is registered. The cloud will reveal its silver lining after a few years of paying the cost and maintaining a clean driving record. The offense could remain on your record far beyond a few years.

To compare free car insurance quotes from standard or high-risk car insurance companies, enter your zip code above!

Will a ticket for DUI/DWI affect car insurance rates in my state?

AdobeStock_51711988-1600x1600States are clamping down on drunk drivers and insurance companies are following suit. Depending on where you live, convictions bring stiff consequences. If you drive a commercial vehicle, a .04 BAC is enough to charge you with a DUI/DWI.

Any person who refuses to take a breathalyzer on the road will be required to take one at the police station.

Most states suspend driving privileges of convicted DUI/DWI offenders for six months.

Some state may consider a restricted license for those who are the only income earner in the household. In many of these cases, an ignition interlock device or IID is installed in the car.

If you are allowed to continue driving, you are required to maintain car insurance. If you are in a state where the SR22 form is required, you may be required to file a certificate of financial responsibility.

You can also expect your premiums to rise if you have to purchase a high-risk policy.

Your current insurance company may refuse to renew your policy at the time of renewal, or in some states may cancel your policy immediately with a refund on advanced premiums.

If your insurance company cancels your policy, you may be forced to purchase a high-risk policy as opposed to a standard policy from a preferred insurer.

It is in your best interest to inform your prospective carrier of your DUI/DWI before they become aware. If they issue a policy and find out in retrospect, your policy could be canceled.

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Will a ticket for DUI/DWI affect car insurance rates for my spouse?

Your spouse will incur high-risk insurance rates if you remain on the policy with him or her. As an option, the spouse with the DUI may exclude the other spouse from the policy of the car they are driving if you have multiple cars.

If you have an accident or cause damage to the spouse’s car, your spouse will not be covered. If you are the DUI offender and an interlocking device is installed in the only means of transportation in the home, your spouse will share in the consequences.

Will a ticket for DUI/DWI affect car insurance rates if my license is suspended?

Your suspended driver’s license makes car insurance unnecessary.

Several states have implemented a zero tolerance law with a six-month license suspension for the first offense.

You may be sentenced to do community service or pay a fine. Either way, you will certainly have to attend a substance abuse program before your license is reinstated.

Will a ticket for DUI/DWI affect car insurance rates if I take a class?

AdobeStock_11685060-1600x1600DUI/DWI classes are mandatory in an increasing number of states.

Seventeen states and counting are installing interlocking devices. If you are required to take a class or perform community service as part of your probation, you are not exempt from completing your obligation because you move to another state.

You are required to fulfill your responsibility to your former state in the new state of residence.

It is possible that your DUI/DWI will go unreported to your insurance company. Your insurance company may not become aware of your offense until it is time to rate you again.

This scenario may only benefit your spouse if your license is suspended, however. The DMV and car insurance companies are working together to improve communication with new cross reference technology called the National Driving Registry or NDR.

Comparison DUI/DWI car insurance quotes are now available by entering your zip code below!

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