How Much Will Insurance Go Up After Dui?

If you’ve ever been in an accident, you know that insurance can be expensive. But what do you do if your insurance goes up after a DUI? In this blog post, we will explore the ins and outs of DUI insurance rates and how they may change after you’ve been caught driving under the influence. From state to state, the cost of coverage can vary dramatically. So be sure to contact your insurance company to find out exactly what will happen.

The Different Types of DUI

There are different types of DUI, and each carries its own penalties. Here’s a look at the most common types:

1. Driving under the influence (DUI) is driving with a blood alcohol concentration (BAC) of 0.08% or more. This is often called “drunk driving.”
2. Driving while impaired by drugs (DUID) is driving with any amount of drugs in your system, even if it’s only traces. This can include marijuana, cocaine, heroin, etc.
3. Driving while intoxicated (DWI) is driving with a BAC between 0.05% and 0.08%.
4. Aggravated DUI is a class A misdemeanor that comes with harsher penalties than regular DUIs, including jail time and fines up to $10,000. It happens when you drive with a BAC above 0.18%.
5. Most serious DUI is a class E felony that can result in five years in prison and a $25,000 fine. It happens if you drive with a BAC above 0.30%.

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Penalties for a DUI

There are a number of penalties that may be imposed for a DUI, including driver’s license suspension and fines. Depending on the circumstances, insurance rates may also increase. In some cases, an insurance company may refuse to cover you or your vehicle if you have a DUI conviction on your record.

How Drunk Is Too Drunk to Drive?

According to the National Highway Traffic Safety Administration, it is illegal for a driver to operate a motor vehicle if they are impaired by alcohol. The legal limit for blood-alcohol concentration (BAC) is 0.08%. When BAC reaches this level, it impairs the ability to operate a motor vehicle safely. As BAC increases, the risk of an accident also increases. In fact, according to NHTSA research, driving with a BAC of 0.10% or higher is four times more likely to result in an accident than driving with a BAC of 0.05%.

In Michigan, the legal limit is 0.08%, which is lower than most states. If you are convicted of driving while intoxicated (DWI), your insurance rates will go up significantly. Depending on your state and coverages, your rates could increase by as much as 20%. This doesn’t include any potential penalties you may face like license suspension or jail time. So if you’re planning on getting drunk and driving home tonight, think again – your insurance might not be happy about it!

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Effects of a DUI on your Insurance

If you are convicted of driving under the influence (DUI), you could see your car insurance rates go up significantly. In fact, some companies may raise your premium rate by as much as 100%.

There are a few factors that will affect how much your premium will increase. First and foremost, your driving record will play a big role. If you have a history of DUI convictions, your insurer may charge you a higher premium than someone without any DUIs on their record.

Additionally, the severity of your DUI also affects how much your rates will go up. If you were caught with a .08 percent blood alcohol content (BAC) or higher, your rates could be drastically increased.

In most cases, if you get caught with a DUI, the best option is to negotiate a settlement with your insurer before going to court. This way, you can minimize the damage done to your car insurance policy and keep premiums at a reasonable level.

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How much will my insurance go up after a DUI?

Insurance companies base their rates on a variety of factors, including your driving record, car type and make, and driver age. Rates also vary depending on the location you live in. Generally speaking, rates for premium drivers will go up more than those without a premium license.

According to the Insurance Research Council (IRC), an insurance industry group, the average increase for a typical policyholder is about 20%. However, this number can vary based on your personal history and driving record. Rates for risky drivers – such as those with a DUI or traffic tickets – can be as much as 50%.