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What is the cost of car insurance for those convicted of drunk driving?

Published in DUI Car Insurance 2 mins read

Car insurance costs significantly increase for drivers convicted of drunk driving (DUI), often more than doubling compared to those with a clean record. For full coverage, average annual premiums for drivers with a DUI on record can range from approximately $4,676 to $6,990, depending on the state.

Understanding DUI Car Insurance Costs

A DUI conviction immediately flags a driver as high-risk to insurance companies. This heightened risk translates directly into substantially higher premiums, as insurers anticipate a greater likelihood of future accidents, claims, or even fatalities. The financial implications extend far beyond legal fines and penalties, significantly impacting a driver's ongoing expenses for years.

Average Annual Premiums After a DUI Conviction

The precise cost of car insurance after a DUI varies considerably based on factors like the state of residence, the specific insurance provider, and the driver's overall history. However, the data clearly illustrates a dramatic increase. Below is a comparison of average annual full coverage premiums for drivers with a clean record versus those with a DUI conviction in select states:
State Average Annual Premium (Clean Record) Average Annual Premium (DUI on Record)
California $2,835 $6,990
Colorado $2,972 $5,065
Connecticut $2,569 $4,676
Delaware $2,651 $4,855

As the table shows, a DUI conviction can lead to an increase of over 100% in annual insurance premiums in some areas, making it one of the most expensive driving infractions.

Factors Influencing DUI Insurance Rates

While a DUI is the primary driver of increased premiums, several other elements also contribute to the final cost: * **State of Residence:** Insurance regulations, minimum coverage requirements, and average rate baselines differ significantly from one state to another. * **Insurance Provider:** Each company has its own underwriting criteria and risk assessment models, leading to variations in quotes for the same driver. * **Driving History:** Any additional moving violations, previous accidents, or other incidents on your driving record can further elevate the premium. * **Vehicle Type:** The make, model, age, safety features, and theft risk of your vehicle will influence the overall premium. * **Coverage Level:** Choosing higher liability limits, comprehensive, and collision coverage will naturally result in a higher premium than basic state-minimum liability. * **SR-22 Requirement:** Many states mandate that drivers with a DUI file an SR-22 form (or an equivalent, such as an FR-44 in some states), which certifies that they maintain the state's minimum required liability insurance. This filing often incurs additional fees and signals high-risk status to insurers.