Are Car Insurance Rates Affected by a DUI?

Rates for car insurance after a DUI may increase by 41%. Your provider may cancel or refuse to renew your car insurance after a DUI, forcing you to look for a new, more expensive policy.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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Here's what you need to know...

  • Driving while intoxicated is extremely dangerous
  • A DUI arrest can have a lasting effect on almost every aspect of a person’s life
  • A person arrested for a DUI can face expensive fines, the suspension of their driver’s license, and even time in jail
  • Getting insurance after being convicted of a DUI can be very difficult
  • Car insurance rates may increase by 41% after a DUI

A person who is arrested for DUI or DWI has been arrested for driving under the influence of alcohol or other mind-altering substances.

A person can go to jail if arrested for a DUI, especially if another person is injured as the result of an accident caused by the drunk driver.

They can also have their license suspended and their car insurance record may be permanently marred. In addition, there are repercussions and effects of a DUI ticket on car insurance rates.

Use the car insurance rates comparison tool located above by entering your ZIP!

What constitutes a DUI?

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A person over the age of 21 can be arrested for a DUI if their blood alcohol content (BAC) is 0.08 percent or higher.

A person younger than 21 can be arrested for a DUI if they have any level of alcohol in their blood at all.

A person does not have to be driving a car to be charged with a DUI.

Operating almost any type of moving vehicle while intoxicated can result in a DUI arrest. People have been arrested for DUI for driving any of the following vehicles:

  • boats
  • bicycles
  • motorcycles
  • lawnmowers

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The Process and Costs Related to a DUI

When a police officer suspects a driver of being under the influence, they first pull the driver over. After talking with the driver, if the police officer still suspects they are under the influence of alcohol, he will then conduct a field sobriety test.

A field sobriety test can include walking a straight line, trying to balance on a single foot, or a breathalyzer test.

If the driver does not pass the field sobriety test or refuses a breathalyzer test, they are then arrested.

After the driver is arrested, they are taken to jail where they may or may not be issued bail. If the driver is denied bail or cannot post it they will remain in jail until they are arraigned.

When the driver is arraigned, if they plead guilty that is the end of the process and they will be fined or sent to jail or both.

If the driver claims to be innocent, the process continues and can include a plea bargain, a preliminary hearing, pre-trial motions, the trial, sentencing, and an appeals process.

The longer the proceedings associated with the arrest, the more expensive it will be for the driver.

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What happens to car insurance after DUI?

A DUI arrest might take a while to appear on a person’s driving record and, in some cases, might not show up at all.

When an insurance company does find out about a DUI, there are a lot of things that can happen.

Find the best car insurance rates in your area now by just entering your ZIP in the FREE comparison tool now!


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