It goes without saying that you should never operate a vehicle while under the influence of alcohol or drugs. No matter how safe you think you can be, driving while impaired puts you, any passengers in your vehicle, and any surrounding drivers, passengers, and pedestrians at extreme risk. Simply put, driving under the influence can be deadly to you, and to others, and it should always be avoided.
How Does a DUI Affect Car Insurance Rates?
Getting a DUI can have a serious impact on your car insurance rates. Each state has different rules regarding how DUIs impact drivers and auto insurance coverage, but no matter where you live, your rates will spike. In addition to higher rates, any discounts (such as safe driving discounts) will go out the window.
Your increased insurance rates will exist for as long as your DUI is on your driving record, which is usually three to seven years, but this varies from state to state. Some insurance providers, however, may view you as too big of a risk and refuse to provide you with insurance.
While the size of your increased rates depends on both your state and your insurance provider, one thing is a constant: driving while drunk or high can not only put you and the people around you in immediate danger, but take a serious toll on your wallet as well.