Impact of a DWI Conviction on Your Car Insurance Premiums

How a DWI Conviction Can Influence Your Automotive Insurance Costs

Driving under the influence (DUI/DWI) occurs when a person operates a vehicle while intoxicated by alcohol or drugs, including prescription and recreational substances. This behavior significantly increases the risk of accidents, making it a serious offense. Consequently, individuals with a DWI record often face higher auto insurance premiums or denial of coverage. Having a DWI on your record can have long-lasting effects, affecting your insurance costs and driving privileges for years to come.

Insurance providers routinely review driving histories when issuing policies. A DWI conviction appears clearly on your record, prompting insurers to categorize you as a high-risk driver. As a result, your premiums increase, and some insurers may even refuse coverage. Points added to your driving history escalate costs further. While some insurers might deny coverage, others specialize in insuring high-risk drivers, albeit at higher prices. If charged with a DWI, be prepared for increased insurance costs over several years.