How Does DUI Conviction Affect Car Insurance Rate?

Reader’s Question:

How does a DUI conviction  affect your car insurance?

Michelle

Denver CO
If you are convicted of a DUI or driving under the influence, DWI or Driving while intoxicated, OUI or Operating under the influence or maybe OWI or operating while impaired, your car insurance rates will go up. Some insurance laws will actually triple your typical car insurance rates after DUI conviction.

Generally, drunk driving conviction will affect your car insurance rate for at least three years. If the state you live in permit car insurance providers to check your insurance record for longer period, it may affect your dui insurance rate for more than five years.

If you have a dui conviction in your driving record, you are now considered as a high risk to an insurance provider. According to statistics, driving under the influence causes more serious accidnets that is why car insurance companies increases your rates to cover your risk as a driver.

If your insurer will still continue to isnure you after DUI conviction, the increase on your car insurance rate will occur at your next renewal period when your insurer checks on your driving record and see the DUI offense. Your car insurance company and state laws will determine the amount of time for the increased of your dui insurance rate.

For example, in Colorado, car insurance rate may increase up to 30% after DUI conviction. Again, the car insurance increase will depend on the rating system of your car insurance company.

Having DUI conviction in your driving record can negatively affect your car insurance rate because you are being put to the high risk category by car insurance companies. It would be best to shop around for car insurance companies that may provide you a more affordable dui insurance that you can afford.

What Is The Average DUI Auto Insurance Rate

Reader’s Question:

What is the average auto insurance rate increase with DUI conviction? I live in Lakewood, Colorado. Could you guys help me find cheaper DUI auto insurance?

Kate

Lakewood, CO

The auto insurance premium rate increase will probably occur at your next renewal period when your insurance carrier checks your motor vehicle record (MVR) and sees this DUI offense listed. The length of time for the increased premium rate will again depend upon state laws or the insurance carrier’s own rating rules and guidelines. Generally, it can affect you for three to seven years typically or as long as the offense is on your driving record if state insurance laws permit it.

With a drunk driving conviction car insurance rates tend to increase quite a bit and you will likely be classified now as a high risk motorist. According to the Colorado’s DOT your car insurance (if it’s not terminated) could go up 30 % on average. The amount of the car insurance rate increase will depend upon your insurance carrier’s rating system. If your insurance premium does increase to an unmanageable amount, you can get a quote here for FREE here to get an car insurance quote Colorado.

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