Essential Insights on DUI Auto Insurance Costs
Learn key facts about DUI auto insurance, including how it affects your rates, duration of impact, and tips for finding affordable coverage by comparing quotes across providers. Understand state laws influencing insurance premiums after a DUI offense.
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Auto insurance premiums can be costly, and a DUI conviction can significantly increase your rates. When caught driving under the influence, your insurance premiums may soar and remain elevated for several years, varying by state. Fortunately, some insurers offer more affordable DUI coverage options. To find the best rate, it’s crucial to compare quotes from multiple providers, as DUI insurance costs differ widely across companies. If your current insurer offers high rates, consider switching for better deals.
The expense of DUI insurance varies greatly depending on your state, with premium increases ranging from 12% to over 300%. A DUI elevates your perceived risk, leading to higher rates. State laws determine how long a DUI impacts your insurance, typically at least three years, but sometimes up to seven years, especially if records are retained longer. Insurance providers strictly follow state regulations, and rates may stay elevated for many years after a DUI conviction, so understanding local laws is vital.
