Driving under the influence (DUI) is a serious offense that can have significant implications on your auto insurance rates. Insurance companies consider DUIs as major red flags, indicating a higher risk of accidents and potential claims.

When you are convicted of a DUI, your auto insurance rates are likely to increase significantly. Insurance companies may view you as a high-risk driver and adjust your premiums accordingly. The exact increase will depend on various factors, including your insurance provider, your driving history, and the specific circumstances of the DUI offense.

For example, let's say you had a clean driving record before the DUI conviction, and your insurance premium was $1,000 per year. After the conviction, your insurance company might increase your premium by 50%, resulting in an annual cost of $1,500.

It's important to note that the increase in insurance rates following a DUI conviction can last for several years. Typically, insurance companies consider DUIs as a major violation, and it remains on your driving record for a significant period.

In addition to increased premiums, you may also face other insurance-related consequences. Some insurance companies may choose not to renew your policy after a DUI conviction, leaving you to find coverage with a high-risk insurer. High-risk insurers often charge even higher premiums, making it more challenging and expensive to obtain coverage.

It is crucial to remember that the specific implications of a DUI on your auto insurance rates can vary depending on your location and insurance provider. It's always best to consult with your insurance company directly for accurate information tailored to your situation.

References:

• Insurance.com - How DUI Affects Car Insurance Rates
• The Zebra - High-Risk Auto Insurance