How A DUI Impacts Your Auto Insurance

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Things to Remember...
  • The biggest impact on your auto insurance can come from a DUI citation
  • DUI drivers who cause serious accidents can face jail time for repeating the offense to being convicted of murder for killing someone in the event of a car crash
  • Two things can happen to your auto insurance in the event of a DUI citation: they will increase your rates and make will consider not renewing your policy.

Auto insurance rates change on a variety of factors. The biggest impact on your auto insurance can come from a DUI citation.

These three letters can lead to a wealth of problems for those who carry these letters on their driving record.

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The moment you get a DUI on your record auto insurance companies will see you as a  high-risk driver. There are no positive implications of this label.

The impacts that this makes on your auto insurance are discussed below!

DUI Means No Driving

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Besides the shame of having to walk a line, cite that alphabet, and blow into a tube, a DUI often comes with the loss of driving privileges.

How much fun will it be walking down to the auto insurance agent’s office to have a chat about your recent traffic violation?

You will be walking in one of two ways in the event of a DUI. The first is a temporary suspension of your driver’s license. This can last upwards of a year. Hoofing it might be healthy, but it’s not fun in the blistering cold of winter.

The second way is a permanent cancellation of your driver’s license. While this might cut down on those auto insurance rates, it will certainly make getting to the grocery store a whole lot tougher.

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Enjoy that Holding Cell

Some state laws are cracking down on DUI driving with more than just jacked up auto insurance rates and temporary license suspensions.

There are states that have zero tolerance policies in place. Over the limit and you are under arrest.

This only grows as the offense grows. DUI drivers who cause serious accidents can face jail time for repeating the offense to being convicted for murder for killing someone in the event of a car crash.

There is a lot more to worry about than auto insurance in the event you cause someone’s death.

In many instances, a DUI conviction can prevent you from holding certain jobs. While a single occurrence may not have this effect, multiple occurrences certainly can.

The bottom line is that there is no benefit, and a lot of potential harm, from a DUI convicion.

Auto Insurance Companies will be Happy to Increase your Rates

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Many of these may sound bad already, but many of these items don’t stack up to what is about to happen to your auto insurance rates.

Sure, a holding cell might not have been fun for a night. You may even have to walk for six months. Are you really prepared to handle that auto insurance increase though?

Two things can happen to your auto insurance in the event of a DUI citation. The first is what happens with your rates.

When the auto insurance company gets wind of your new citation you will instantly be placed into a high-risk category. This category means higher rates or event additional coverages that need to be purchased.

The second impact will be on your auto insurance renewal. Companies can choose to not renew your policy.

While you may not like your current agent, having a DUI on that driving record is going to make it infinitely tougher to get new auto insurance. You are now a black sheep to the industry.

Compounding this issue is how long a DUI can be on your driving record. Some places will hold that on your record for 1030 years. Even if you didn’t cause an accident, that is one to three decades of paying high priced insurance.

There is a simple way to keep your auto insurance company happy and your driving record clean.

That way is to just be smart and not drink and drive. Plan on a taxi or find a designated driver. There is no shame in being smart with your partying.

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