Will My Insurance Company Find Out about My DUI and What Will It Do?

When getting arrested for a DUI, the last thing on your mind is probably your insurance rates. However, once the dust settles and your DUI, DWI case has been decided, knowing exactly how much your car insurance rate will go up after a DUI in your location is something that you will have to seriously consider.

In most states today under 2022 DUI laws, you will probably have to serve some type of suspension or revocation period if convicted in court of the DUI, DWI offense. But, once that length of time with a suspended license is done, how will your insurance company react to your DUI?

Do Insurance Companies Learn About DUIs?

Unfortunately for a DUI defendant who gets convicted or enters a guilty plea for even a first offense, the answer to this question is, “Yes.” In all likelihood, because your license was suspended or revoked, you will have to reactivate your coverage. Sky-high car insurance after a DUI conviction is another prime reason why a defendant who is currently facing charges in court, needs an expert arrest review early in a case so a DUI has the best chances to get dismissed or reduced to a less serious offense.

2022 Average Car Insurance Rate Increase by State After a First Offense DUI, DWI Conviction

State Average auto insurance rate increase after first DUI, DWI
Alabama 62%
Alaska 36%
Arizona 57%
Arkansas 54%
California 155%
Colorado 46%
Connecticut 95%
Delaware 65%
Florida 34%
Georgia 73%
Hawaii 135%
Idaho 51%
Illinois 67%
Indiana 65%
Iowa 69%
Kansas 61%
Kentucky 77%
Louisiana 68%
Maine 129%
Maryland 56%
Massachusetts 92%
Michigan 189%
Minnesota 94%
Mississippi 50%
Missouri 41%
Montana 57%
Nebraska 71%
Nevada 66%
New Hampshire 119%
New Jersey 100%
New Mexico 35%
New York 68%
North Carolina 317%
North Dakota 81%
Ohio 93%
Oklahoma 41%
Oregon 45%
Pennsylvania 62%
Rhode Island 112%
South Carolina 49%
South Dakota 70%
Tennessee 65%
Texas 102%
Utah 46%
Vermont 114%
Virginia 48%
Washington 44%
West Virginia 72%
Wisconsin 91%
Wyoming 53%
Current 2022 average car insurance policy rate increase to expect in each state after a DUI, DWI first offense conviction with major auto insurance providers for drivers with liability coverage of $100,000 bodily injury per person, $300,000 bodily injury per accident and $100,000 for property damage (100/300/100), including collision and comprehensive coverage on the policy.

Today in 2022, insurance companies usually run a credit report and criminal history on clients, so this will show up in those records. In addition, in most states, you must get an SR-22 (this is a document for high-risk insurance) from your provider to have your license re instated. Simply put, there is absolutely no way you will be able to hide a DUI conviction from the insurance company.

Will It Be Difficult to Find Coverage?

Yes…and no. Some companies, possibly the company you are currently with, will shy away from high-risk coverage. Your current company may decide to not offer you coverage, but you will be able to find a company that will. However, because you are now considered high risk, chances are your premiums will be higher than they were before.

Many of the companies that offer this coverage specialize in high-risk insurance such, so they naturally charge higher rates, much higher. In fact, it is not uncommon to see rates as much as three times as high as you were paying prior to the arrest and DUI, DWI conviction.

How Can I Get Lower Rates?

If you are lucky enough to have your current provider cover you, the company may consider your previous driving record (assuming it was free of any accidents and/or speeding tickets). You may initially pay a higher insurance rate after a DUI conviction today, but your rates may steadily decrease over the next few years as long as you keep your driving record clean.

You can also take DUI classes or attend programs that will help lower the rates. Another consideration is the voluntary installation of an ignition interlock device to the automobile. Some insurance companies will look at this as a proactive approach ensuring that you are not getting behind the wheel after drinking. Consult with your insurance provider for more information on how you can lower your rates with this specific company.

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