You probably know that driving a vehicle while you’re impaired by the effects of alcohol or drugs—even prescription drugs—is against the law.
In some states it’s known as DUI, or driving under the influence, and other states call it DWI, or driving while intoxicated.
With alcohol, intoxication is typically determined by a measurement of blood alcohol content. In all 50 states, if you have more than point zero eight percent in your system, you’re breaking the law—even if you don’t feel drunk.
Being convicted of a DUI has serious negative consequences. You could face jail time, a suspension of your driving privileges, or even the loss of your job.
As if that weren’t enough to sober you up, it’s estimated that a typical DUI conviction costs as much as twenty thousand dollars in fines, bail, and higher insurance rates!
So, how much will your car insurance rate go up? Well, it depends on your situation. Here are 5 factors that affect how a DUI or DWI will increase your insurance:
Factor #1: Where You Live
Getting a DUI means you’ll be considered a high-risk driver, no matter where in the United States you live. But each state has different rules about how much insurers can raise your rates after getting a DUI, so it will vary.
Factor #2: Your Arrest Circumstances
If you get a DUI as a result of causing a multicar crash, you’re likely to see a higher rate hike than getting arrested at a DUI sobriety checkpoint.
Factor #3: Having Previous Convictions
A first-time DUI will cause a substantial rate hike—but having previous convictions can lead to even higher rates or having your policy cancelled.
Factor #4: Your Driving History
If you have several at-fault accidents or moving violations on your driving record, you’ll see a bigger rate spike than if you have a clean record.
Factor #5: Not Having Insurance
If you don’t have auto insurance when you get a DUI, you’ll have trouble getting coverage. Your only option may be to buy insurance from your state’s high-risk pool, where rates can be twice as high.