Most people realize the importance not to drive under the influence of alcohol, drugs, or prescription medication and the high legal penalties and costs associated with it, but not how DUI and DWI insurance works. However this is not at all uncommon since this arrest is an unexpected event in life, and most drivers don’t realize how much to expect a DUI offense will affect car insurance today with increased costs.
If you have any legal questions regarding how car insurance will affect your rates now or in the future, we can help you save time and money, when a recent DUI-related charge can be successfully fought with the proper help in enough time. There is also help for those who have already been convicted, and trying to afford the best car insurance after a DUI is already on their driving record.
- How Much A DUI Will Increase Future Auto Insurance Premiums
- Why A Car Insurance Company Wants To Know If You Have A DUI Or DWI Charge On Your Record
- What Is The Exact Impact Of A DUI Conviction For How Much I Will Pay For Car Insurance?
- Other Ways How This Offense Can Affect Car Insurance Rates
How Much A DUI Will Increase Future Auto Insurance Premiums
So you got arrested and convicted for a DUI/DWI offense, paid the fines, there was no accident, but now it’s time to renew your auto insurance policy. You may have even had your current auto insurance policy dropped or canceled following a conviction, and need to get SR-22 Insurance for “high risk” drivers. Now this is the point when many drivers realize that this one charge – will cost them a lot more than they had originally thought for years to come.
A person’s driving record is severely tarnished after the court case is done, and can bring in enormous unexpected extra costs after a conviction by the car insurance company. This means your rates could double or even more for the first year alone, and these insurance rates will remain higher than normal for at least 5 years following the charge. This can easily add up to thousands of dollars over the next few years.
One of the first things to know about how much DUI insurance rates will cost, is to dispel some common myths. Many drivers assume that the only cost they will face after a conviction of charges, is the fine that the court issued at sentencing. However the actual reality is, the court fines issued are only one part of the lingering cost that a person convicted of the offense will face.
The loss of your driver’s license, the expense of having the Ignition Interlock device installed, the cost of the Interlock maintenance (approximately $1300 – $1600 year), increased insurance rates, having to take required alcohol classes, along with having a criminal record which can interfere with employment and travel, are only some of the average costs a person is going to face afterwards. With the significantly raised car insurance premiums, some studies have concluded that when a driver is convicted of driving under the influence, the average total financial costs actually end up between $20,000 and $30,000 for a first offense conviction.
There is hope to possibly avoid the full burden of these costs and the high insurance rates involved. It is essential to have your own arrest details examined online through us by a skilled and local attorney nearest you who is up to date with new DUI laws and policies as early as possible after an arrest. Always keep in mind, that only a lawyer can properly review your arrest information and is experienced in this field of law.
This is because they have the very technical aspects of fighting these offense charges in court successfully, can accurately assess your chances of success and potentially avoid the heavy insurance costs of a conviction.
Why A Car Insurance Company Wants To Know If You Have A DUI Or DWI Charge On Your Record
When a driver has a DUI or DWI offense conviction on their record and wants a quote for car insurance, they will be considered a high-risk driver by any car insurance company. This is done by car insurance providers after an offense happens, because they determine that a person with a conviction in their recent background, it will increase the chances from their point of view – that a driver is more likely to have a car accident or second similar arrest in the future.
This is why any type of drinking or drugged driving record, will be a very large factor in determining how much a person will pay for auto insurance with this on their driving history. Some studies have shown that drivers with a blood alcohol concentration (BAC) of .09 percent or higher, are more likely to be involved in a fatal accident than a driver who is sober.
Therefore, what a this criminal charge means to an auto insurance company, it plays an enormous role in predicting the possibility of increased chances for unsafe driving and potential future car accidents.
What Is The Exact Impact Of A DUI Conviction For How Much I Will Pay For Car Insurance?
The cost of car insurance after a DUI conviction can vary greatly depending on the state you live in and the policies of your insurance company. Some states have laws in place that prohibit insurance companies from canceling policies or raising rates solely because of a DUI conviction, while others do not.
In general, the cost of car insurance after a DUI conviction can increase significantly. According to a study by The Zebra, a car insurance comparison website, the average nationwide increase in car insurance rates after a DUI conviction is 41%. However, the cost can vary greatly by state.
For example, in California, the average increase in car insurance rates after a DUI conviction is 24%, while in Arizona it is 97%. In New York, the average increase is 61%, and in Florida it is 82%.
It is important to understand the potential impact a DUI conviction can have on your insurance rates and coverage, and to be aware of your state’s laws. That’s why it’s crucial to consult with an experienced DUI attorney who can advise you on the best course of action and help you navigate the legal system.
It is also important to shop around for car insurance after a DUI conviction, as different insurance companies may have different policies and rates.
When getting a DUI insurance quote, and with any type of related mark on a driver’s record, a person’s car insurance rates and even life insurance after will almost always be higher. However just like the significance of a person’s arrest details are when fighting this allegation, the precise amount of how much auto insurance increases in the future will depend on the person’s own individual arrest situation. With an average one vehicle car insurance policy, the typical costs can double later on.
In summary, any driving under the influence conviction can be one of the most expensive things to happen to a driver’s auto insurance rates.
Other Ways How This Offense Can Affect Car Insurance Rates
There are a variety of other possible ways of how this offense can drastically affect car insurance payments for a driver. For example, with some auto insurance companies and certain policies, a person who causes an accident during the offense, certain elements of a driver’s car insurance might be considered void in some circumstances.
What this means in regard to DUI and car insurance rates, in addition to any monetary penalties on a person’s auto insurance policy, they also may be required to pay out of pocket for the costs to vehicle repairs and possible injuries to others that may have been involved in the accident.
Also, with some insurance company providers, there’s also the possibility that a car insurance carrier will choose not to renew a driver’s policy, on the date that the current insurance policy ends. With DUI SR-22 insurance which is common after a conviction, having to find and then pay for new SR-22 or high-risk car insurance, can end up being an expensive ordeal for drivers who have been convicted or plead guilty to a operating under the influence arrest conviction.
Drunk Driving Insurance And New Laws
Each state has strong new laws to help prevent drinking and driving, with new state laws being added frequently that include even more costs and penalties. Some of these common new laws include longer driver’s license suspensions for convicted drivers, in addition to the raised cost of buying car insurance after the court case, once a person’s driving privileges have been restored.
In every state in the country, any driver who is arrested with a BAC of .08 or higher, is subject to criminal charges, and as most states are now requiring – an ignition interlock device must be installed on a person’s vehicle if they are allowed to drive at all afterwards. The Ignition Interlock device will test and analyze a driver’s breath, and if any alcohol is detected, it then prevents prevent the car’s ignition from starting and also records the incident readings to share with the court.
It is important to also keep in mind, that most of these laws, penalties, and car insurance costs are for a first offense conviction. Even just a single drink or smoking Marijuana could have consequences. People sometimes do not realize, that drivers pulled over for a suspected DUI or DWI for illegal drugs or even prescription medicine, are also subject to these same penalties under strict new local state laws.
How Long-term is a DUI on Insurance costs?
A 1st offense DUI/DWI conviction on a person’s driving record, could remain a large factor for figuring or determining how much a driver will pay for car insurance for as long as 10 years. This will cause a driver to be viewed as a “high-risk” for a long period of time. Consequently as a result, how long it will take to get car insurance rates back to its original and affordable policy before the arrest, will be just as long.
This is another vital reason that if you have currently been arrested, that you take the necessary action now by having your particular arrest details thoroughly assessed online through us to get the best local legal help available and do all that is possible for winning the case while there is still enough time to fight the case to a successful outcome. This is the best way to potentially avoid the insurance rate penalties and other high costs involved, by avoiding this conviction on your record in the first place.
If you’re looking to learn more about how this will affect your auto insurance rate or coverage requirements, or what steps you need to take after an arrest, please have your own specific arrest information examined online though us today. It is totally free and easy to get you the fast help and direct answers that you deserve to know.
What is The SR-22 Car Insurance Cost After a Conviction?
Getting car insurance after an offense is available and possible. However a person will likely be very surprised at how much higher the cost for insurance is after a DUI charge, when compared with the regular premiums they paid previously for auto insurance. A person with a conviction will likely be required to get an SR-22 with any new insurance policy.
An SR-22 is a mandated certificate by the State, which is filed by your car insurance company with the Department of Motor Vehicles (DMV). Even though an SR-22 is generally called “SR-22 insurance,” it actually is not a type of auto insurance in itself.
A guilty plea or conviction can have an expensive affect on prices of car insurance for 5-10 years, even for a first-time offender. Usually after this 5-10 year period of time expires, drivers who have held a clean driving record and with no other DUI related arrest issues, can then typically qualify for regular car insurance rates and any applicable discounts.
Getting arrested for these type of criminal charges is very serious to a person’s future in many respects, with a number of negative ramifications that could result from it. This is especially true when all is done to properly defend and fight against the accusation, while there is still time during the case to do so. One of the biggest issues facing people who have been through a conviction, is how to find affordable insurance afterwards.
While buying car insurance for drivers with a drunk or drugged driving offense record will cost more, it is not impossible to find. With proper research and even speaking with an experienced criminal lawyer near you who is the most knowledgeable person in this field of law to begin with, it is often much easier to find and buy affordable auto insurance.
How To Get An Affordable DUI Car Insurance Quote
No matter what point you are at with fighting a case, there is one fact that every driver will face eventually. This is needing to get an affordable DUI insurance quote to maintain driving legally, or getting new insurance before you can get back on the road. Even though it is true that the rates will be higher than standard auto insurance rates, many local car insurance companies near you try to work with drivers to offer affordable coverage, rates, and costs for first-time offenders.
Don’t ever risk making a tough situation worse and drive without insurance. It is worth your while to explore car insurance quote options and quite possibly find a payment rate that you can afford.
We can assist you with answers to your concerns if you are in need of help regarding at any part of dealing with a drunk driving charge, including finding answers to questions about state DUI insurance rates and costs in:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
Navigating the consequences of a local DUI conviction can be challenging, especially when it comes to car insurance rates. However, with the help of our skilled DUI attorneys in the area, you may be able to minimize the impact on your rates.
If you have recently been charged with a DUI, don’t hesitate to reach out to us for a free DUI review. We are here to help you navigate this difficult time and work towards the best possible outcome to keep your auto insurance affordable and within your budget.