How does DUI affect insurance rates? This question is about Car Insurance

How does DUI affect insurance rates?

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@WalletHub • 09/29/20 This answer was first published on 09/29/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

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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Does Geico insure high-risk drivers?

Yes. Geico does insure high-risk drivers. For example, Geico will insure high-risk drivers who have to file an SR-22 or FR-44 form, asserting that they’re carrying the minimum insurance coverage required by state law after a DUI or other major moving violation. However, keep in mind that risky drivers are typically charged more expensive insurance premiums.

High-risk drivers aren’t just those who have been in several accidents or received many tickets. Teenage or senior...

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Does USAA insure high-risk drivers?

Yes, USAA does offer high-risk auto insurance, and its coverage can be among the best and most affordable options for those who qualify. For example, USAA will insure individuals who require an SR-22 or FR-44 form, which is confirmation of insurance that states often require of high-risk drivers who have been convicted of DUI or other severe moving violations.

Plus, USAA is especially friendly to young drivers, who are often considered high-risk because of their inexperience. In addition to...

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Does Geico offer SR-22 insurance?

Yes, Geico offers SR-22 insurance to drivers who have been classified as “high-risk” by their state. Geico will file an SR-22 form with the state on a customer's behalf as well as provide the insurance coverage necessary to meet the state's SR-22 requirements. On average, drivers will need to maintain SR-22 insurance for three years.

Key Things to Know About Geico SR-22 Insurance

Geico typically charges a $15-$25 filing fee in...

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