How Does a DUI Conviction Affect Insurance?

Years of Higher Premiums

Beside legal sanctions, individuals convicted of a first-time DUI charge will face at least three years of higher auto insurance premiums, leading to a potential doubling or tripling of their rates. Subsequent convictions will cause premiums to rise for even longer periods.

If a motorist with a DUI conviction lets coverage lapse, insurers are required to notify the state licensing agency, which will revoke his driving privileges. So the only practical ways to avoid higher insurance payments after a DUI conviction are by walking, relying on others for rides or using public transportation.

Laws Differ

Although a blood alcohol level of .08 has been adopted nationwide as the legal standard for intoxication, drunk driving penalties vary from state to state. DUI offenders will lose their driving privileges from 30 days to one year.

Many states also impose stiffer sentences for certain circumstances. For instance, 40 states will double the penalties in cases where drivers have elevated blood-alcohol levels exceeding.15 or .20.

Play It Safe

An alcohol-related traffic fatality occurs in the United States every 29 minutes, according to the Insurance Information Institute. Don't become a DUI statistic--always stay sober when you're behind the wheel. If you have been drinking, give the keys to a designated driver or call a taxi--either option is far cheaper in the long run than a DUI conviction.

Resources

• Information about DUI convictions and insurance