Driving under the influence (DUI) is a serious offense that can have far-reaching consequences, including a significant impact on your car insurance rates.
If you have been convicted of a DUI, it’s important to understand how this can affect your insurance costs and what you can do to find affordable coverage.
How Much is DUI Insurance Per Month
A DUI conviction can increase your car insurance rates by an average of 84%, which equates to an additional $138 per month for full coverage insurance. This means that the average cost of DUI car insurance is around $302 per month.
Variation in DUI Insurance Rates by State
The increase in car insurance rates due to a DUI can vary widely depending on the state in which you reside. For example, in North Carolina, a DUI more than triples the price of insurance, while in Pennsylvania, it causes an increase of only 45%. This disparity highlights the importance of understanding your state’s specific laws and regulations regarding DUI convictions and their impact on insurance rates.
Duration of DUI Insurance Surcharges
A DUI conviction typically affects your insurance rates for a period of 3 to 5 years. However, in some states, such as California, a DUI can stay on your record for up to 10 years, potentially leading to longer-lasting insurance surcharges.
Finding Affordable DUI Car Insurance
If you have been convicted of a DUI, it is crucial to find affordable car insurance coverage. To do so, consider the following strategies:
- Shop around: Compare quotes from multiple insurance providers to find the best rates for your specific situation.
- Bundle policies: Consider bundling your car insurance with other policies, such as homeowners or renters insurance, to take advantage of potential discounts.
- Increase your deductible: Raising your deductible can lower your monthly premiums, but be sure to choose a deductible amount that you can comfortably afford in the event of a claim.
- Look into non-standard insurance providers: Some insurance companies specialize in providing coverage for high-risk drivers, such as those with a DUI conviction.
In conclusion, a DUI conviction can have a significant impact on your car insurance rates, with an average increase of 84% or $138 per month for full coverage insurance. The specific increase and duration of the surcharge can vary by state. By employing strategies such as shopping around, bundling policies, increasing your deductible, and considering non-standard insurance providers, you can find affordable DUI car insurance coverage.
