How Much Will My Auto Insurance Rate Increase After a DUI?

Driving under the influence is a serious crime. Many people who are charged with a DUI will face substantial fines, points on their license and possibly jail time. DUIs are not something to think of lightly. Not only can they lead to a suspended license, but they can also create a situation where you end up paying significantly more for auto insurance.

Here’s what you can expect to happen to your car insurance plan if you receive a DUI:

DUI and DWI Charges Can Increase Rates

If you are convicted or a DUI or a DWI offense, you can expect to pay more for your auto insurance. Sometimes you can expect your insurance to increase by 10 to 50 percent depending on location and severity.

Your insurance company will learn of the citation due to points being added to your driver’s license. When this occurs, the insurance company is likely to contact you or raise your rates. Some insurance companies may even drop your policy, especially if you are considered too high of a risk by having multiple infractions on your license.

How to Lower Your Insurance Rate After a DUI

You may be able to lower how much you pay for auto insurance after a DUI or DWI by:

• Securing an SR-22 certificate from your insurer to encourage the DMV to allow you to maintain your driver’s license.

• Taking a drivers improvement course, if your state provides it and your insurance company approves.

• Avoiding additional tickets or moving violations.

Over time, you may see these citations drop from your driver’s license causing your insurance to improve in terms of cost. It may also be wise to turn to a new auto insurance provider after a DUI or DWI since some companies specialize in insuring high-risk drivers.

The right coverage is key. Call ACF Insurance Services at (919) 661-1100 for more information on North Carolina DUI insurance.