How a DUI Affects a Teen's Car Insurance Premium
A DUI on a teen's driving record could hurt their premiums for years to come.
Written by Cheryl Knight
Reviewed by Carrie Adkins
Table of Contents
- Teens on their parents' policy
- Teens on their own policy
- Other consequences
- Getting a DUI removed
- DUI insurance
Load full table of contents
While abstaining from drinking while driving represents the best way to avoid the higher
car insurance premiums
that a DUI brings, a teen does have some options if they end up with a DUI on their driving record.Whether the
teen is included on their parent's car insurance policy
plays a huge part in how much their premiums go up following a DUI. But there are more technicalities, too. Here's a quick guide to teen DUIs, with a little help from
car insurance
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How a DUI affects premiums for a teen on a parent's car insurance policy
A teen with a DUI can make the family insurance policy to double. So, if the parents pay $100 for insurance a month, they can expect that premium to rise to $200, according to the
Auto Insurance Center
.Parents should also keep in mind that once their teen takes ownership of a car, the teen needs to get their own insurance on a separate policy. Since a DUI stays on the teen's record, once they move out or assume ownership of a vehicle, they can expect their insurance premiums to rise exponentially.
How a DUI affects premiums if the teen has their own car insurance policy
A teen with their own car insurance policy usually pays at least $500 or more per month without a DUI. Add a DUI to their record, and they can expect their premiums to rise by about two-thirds.
In addition, a DUI could mean more monetary punishments than just a car insurance premium increase. It includes the bail money paid to stay out of jail until the court date for the DUI, any associated penalties further imposed by the court as punishment, lawyer fees, and any court fees.
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Other consequences of a DUI
In addition to monetary fees, penalties, and court costs, a DUI conviction might get a teen kicked off the parents' car insurance policy. The teen can also lose their license or even be banned from driving outright. Community service is also possible, which the courts tend to mandate for young offenders in lieu of jail time.
A DUI can also cause problems with the teen getting a job and lead to legal issues for parents. Most often, the stigma of a DUI follows a teen around for a long time, causing many problems for them down the road.
How to get a DUI removed from a teen's driving record
A teen should expect gets a DUI to remain on their record for at least five years.
Getting a DUI removed can be pricey. Fines have to be paid, and some states will require additional classes or education programs.
At the very least, the DUI should come off a driving record after five years and should cause no further problems as long as they stay out of trouble.
How to get the best DUI insurance
DUI insurance can be very expensive. But that doesn't mean you can't shop around to find the best rate for you. To find DUI insurance at a good price, try using the
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