Insurance for someone with a DUI costs an average of $1,465 per year, which is about twice as much as what a good driver would pay for the same coverage. DUI insurance is expensive because a DUI conviction indicates to an insurance company that a driver is more likely to cost them money than the average policyholder.
In most cases, a DUI will stop affecting your premium after 3-5 years. If you avoid further moving violations and focus on driving safely in the meantime, you can eventually go back to paying a normal premium. However, depending on your state and insurer, you might continue to be ineligible for a good driver discount for 5-10 years after the DUI.
Even while a DUI is still driving up your insurance rates, you can save on car insurance by comparing quotes between companies. For more information, check out WalletHub’s complete guide to the cheapest insurance for drivers with a DUI.
Post-DUI insurance rates are 6% to 347% higher than premiums for drivers with clean records, depending on the state and insurance company. For example, Progressive only raises rates by an average of 6% after one DUI, while customers with Nationwide will see their premiums increase by about 125%. Similarly, a DUI affects insurance rates differently between states. Drivers in Maryland see the smallest increase in rates after a DUI, at only 28% on average. Rates in North Carolina, on the other hand, jump by an average of 347% – the most in the country.… read full answer
Insurance rates rise after a DUI because it indicates that a driver is riskier to cover and more likely to file an expensive claim. However, the good news is that most drivers will see their rates return to normal after 3-5 years, which is how far back insurance companies usually look at driving records. So even if a DUI remains on your driving record for longer, it will only affect your insurance rates for a few years if you practice safe driving habits. The only exception is that you might still be unable to qualify for good-driver discounts beyond the lookback period, depending on your state and insurance company.
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