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.