Driving while under the influence can lead to higher insurance costs than you might think. According to NerdWallet’s 2021 rate analysis, drivers with one DUI will pay on average $3,114 per year for full coverage auto insurance. This is almost twice the amount that a driver who has not been cited for traffic violations.
This analysis covered drivers with at least one DUI in all 50 states as well as Washington, D.C.
The key findings
- After a DUI, rates rise significantly. For a driver who has had one DUI, auto insurance rates rise by 96% or $1,522 per annum.
- Drivers will pay higher rates for three- to five years. If a DUI remains on a driver’s record for five consecutive years, it could lead to an additional $7,600.
- However, not all drivers will be charged the same rates. Drivers with a DUI can pay an average of $508 to $4165 per year for their car insurance.
- The price can be affected by where you live. The average annual rate in Alaska, Florida and Mississippi rises by less than half after a DUI, but it is more than twice for drivers from 11 other states.
- When shopping for insurance, don’t overlook smaller companies. The ten largest national insurers are not the best for the lowest rates in 34 states and Washington, D.C.
After a DUI, expect to pay substantially higher rates
The average annual insurance rate for DUI drivers is 96% higher, or $1522, than those without traffic infractions. A DUI can affect your insurance rates for up to three to five years. This means that one DUI could result in more than $7600 in additional insurance costs over five years.
Rates are determined by where you live
These are just average rates. The exact cost will vary depending on where drivers live. On average, the car insurance rates for drivers in Oklahoma, Florida, Mississippi, and Alaska go up by less than half of what they are now. Rates after a DUI in California or Michigan go up 165% on average.
Drivers with a DUI can expect to pay between $508 and $4,165 more annually.
Shopping around is important
Are you unable to spare a few thousand dollars for auto insurance? Even though your insurance costs will increase following a DUI conviction, you can shop around to find the best price.
Although you may be tempted to stay with your company, most states don’t offer the same cheapest insurance after a DUI.
When comparing quotes, don’t overlook smaller regional insurers. They often offer lower rates. NerdWallet analysis shows that the best rates for DUI in 34 states and Washington, D.C. are not from the nation’s largest insurers.
What to do after a DUI
It can be difficult to get affordable car insurance after a DUI conviction. In fact, you may have difficulty getting coverage. These are some tips to remember.
- Start looking around immediately. After a DUI, you should look for other insurance. You might lose your insurance coverage so it’s a good idea to have an alternative. To get the best quotes, let your insurer know that you have a DUI.
- Avoid other traffic offenses. After additional driving offenses such as speeding tickets, accidents, or DUI, your insurance will likely increase your rate.
- Keep good credit. Credit history can have a significant impact on how much you pay for your car insurance. In some cases, having poor credit could increase your rates more than a DUI. California, Hawaii Massachusetts, Michigan, Washington, and Massachusetts don’t allow insurers credit to determine car insurance rates.
- Reduce your coverage. You may consider dropping collision and comprehensive coverage if your older vehicle isn’t valuable. Consider the vehicle’s value and the cost of coverage. Add your deductible to the claim payout. If the difference is not significant, it is likely that you are paying more than your vehicle is worth.
- Compare quotes every three to five year. Three to five years after a DUI, insurance rates can change. Compare rates after these milestones in order to get the best rate.
- Non-standard insurance companies may offer you quotes. You may need an insurance company that covers high risk drivers after a DUI. If you are still having trouble finding coverage, contact your state’s high risk insurance pool via the Automobile Insurance Plan Service Office.