Driving under the influence ( DUI ) is the offense of driving, operating, or being in control of a vehicle while impaired by alcohol or drugs (including recreational drugs and those prescribed by physicians), to a level that renders the driver incapable of operating a motor vehicle safely....
How does a DUI affect insurance premiums? ; When car insurance companies set their rates, they assess a potential customer's risk of filing a claim. If a driver has a poor driving history, insurance companies typically see them as more likely to file a claim and raise rates accordingly. For insurers, a DUI, OWI or DWI conviction is among the most serious indicators of risky driving habits. For that reason, you can expect car insurance rates after a DUI to increase significantly. Some carriers may refuse to extend coverage to drivers with a DUI ...
After a DUI, you should look for companies that offer the best rates or focus on insurance for high-risk drivers. Some national companies have affordable insurance after a DUI, like...
See Forbes Advisor’s ratings of the best car insurance companies for drivers with bad credit. In most states poor credit results in very high insurance rates.
Company, Editors’ Take, Forbes Advisor Rating, Average annual cost for senior drivers ; Nationwide, Best Overall, 5.0, $1,402 ; USAA, Best for Military and Veterans, 4.8, $1,455 ; Travelers, Best Rates for Low-Mileage Drivers, 4.7, $1,668
Key Takeaways ; The average annual cost of a car insurance policy among insurers we analyzed is $2,068, compared to $1,459 a year ago. ; USAA has the lowest sample premiums in our study, but its policies are only available to current and former members of the military and their families. ; Erie, which is available in 12 states and Washington, D.C., has the lowest rates we found for teen drivers.
Following one DUI, car insurance can cost you about $126 more a month. Here’s how to get affordable car insurance after a DUI.
If you’re categorized as a high-risk driver by your car insurance company, you’ll likely pay more than the average driver. There are several reasons why you could be considered a high-risk driver. It may be because of your driving record — think having a history of tickets, accidents or DUI/DWI convictions. Or it may be because of certain characteristics, such as if you’re a young or inexperienced driver or have poor credit. While you may pay higher rates for coverage with one or more of these factors on your record, that doesn’t mean ...
U.S. News offers advice on the best car insurance after a DUI for drivers who may have trouble finding coverage.
Can you get car insurance after a conviction for driving under the influence? Learn about DUI car insurance and how to get it.