Cost of a DUI | Bankrate

driving under the influence of drugs or alcohol is not only dangerous for you and those around you, even if you manage to avoid a fatal accident, the implications could last far beyond the event. Being arrested and charged with driving under the influence could cost you thousands of dollars in legal fees, higher insurance premiums, and even lead to your driver’s license being revoked, among other penalties. learn why it pays to drive safely and avoid getting behind the wheel while impaired.

how much does auto insurance go up after a dui?

If you are charged a DUI, you can expect your auto insurance rates to take a hit for years to come, depending on your state regulations. Drivers with serious convictions on their driving record are considered by insurers to be high-risk drivers and potentially more likely to be involved in future accidents. For this reason, car insurance for drivers with DUIs is significantly more expensive compared to those with clean driving records, although actual costs may vary based on a variety of factors, including the company you choose. Here are some average rates we got from Quadrant Information Services for well-known auto insurance companies, both before and after a DUI conviction.

Reading: How much is dui insurance

other financial implications of a dui

The financial consequences of a dui are not just limited to a fine and insurance surcharges. There are many other fees associated with receiving a DUI citation, which could add up to thousands of dollars over several years. While actual costs may vary by state and situation, American addiction centers estimate that a DUI could cost anywhere from $10,000 to $25,000 or more.

Some potential expenses after a DUI could include:

  • fine
  • bail fixing
  • car towing or impound fee
  • attorney fees
  • court and jail fees, including sentences and probation
  • random drug screenings
  • driving school
  • ignition lock installation
  • license reinstatement fee
  • lost income due to time in court and/or jail
  • how to lower auto insurance rates after a dui

    After a DUI, the average cost of full coverage auto insurance increases by nearly $1,650 per year. If you find auto insurance rates after a DUI are way out of your budget, here are some things to consider:

    Research your state requirements

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    Not all states treat duis the same way, so research your state’s requirements regarding dui and dwi charges. You may need to research non-standard auto insurance and which auto insurance companies will submit an SR-22 or FR-44 on your behalf to the dmv.

    find prices

    Each insurer measures risk differently. Searching and comparing car insurance companies could help you find cheaper car insurance rates, even after a DUI. many other factors, like your location, vehicle type, annual mileage and more, could influence your final rate.

    see discount opportunities

    If you’ve been cited for driving under the influence of alcohol, chances are you won’t be able to get a good driver’s discount for many years. however, that’s not the only car insurance discount available. If you own your home, you can add a multiple policy discount by combining your auto and home insurance with the same company. You can also get a discount for being a member of certain affiliate or professional groups, driving infrequently, and more.

    safeguard your driving record

    be more cautious than ever after a dui conviction. Minor accidents or driving violations, like speeding tickets, can cause your insurance company to raise your rates again, or even lower them.

    the differences between dui, dwi, ​​ovi and oui

    For the sake of simplicity, we refer to convictions for driving under the influence of drugs or alcohol as dui. but there are several related terms that are often categorized together:

    • dui: driving under the influence
    • dwi: driving while intoxicated or intoxicated
    • oui: operate under the influence
    • ovi: driving the vehicle while intoxicated
    • omvi: impaired motor vehicle driving
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      many of these distinctions vary depending on the state you are in. dui and dwi are terms that are often used interchangeably, but a state may use only one of these to refer to a driver with a blood alcohol level above the legal limit. If that is the case, then a DWI generally carries a stronger penalty compared to a DUI. in many states, these offenses also apply to driving under the influence of drugs.

      Some states use alternate acronyms such as oui, ovi, and omvi to include broader types of vehicles. for example, states like ohio got rid of “omvi” in favor of ovi so that people who ride bicycles or other non-motorized vehicles can also be held liable if they do so while under the influence of drugs or alcohol.

      frequently asked questions

        • what is the best car insurance company?
          • what is the average cost of car insurance after a dui?
            • what is the total cost of a dui?
              • how much does it cost to pay bail after a dui?


                bankrate uses quadrant information services to analyze 2022 rates for all zip codes and carriers in all 50 states and washington, d.c. rates are weighted based on the population density of each geographic region. Rates quoted are based on a 40-year-old male and female driver with a clean driving record, good credit, and the following total coverage limits:

                • $100,000 bodily injury liability per person
                • $300,000 bodily injury liability per accident
                • $50,000 property damage liability per accident
                • $100,000 uninsured motorist bodily injury per person
                • $300,000 uninsured motorist bodily injury per accident
                • $500 collision deductible
                • $500 comprehensive deductible
                • Our base drivers own a 2020 Toyota Camry, commute five days a week, and drive 12,000 miles a year.

                  These are sample rates and should only be used for comparison purposes.

                  Incidences: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base) and single DUI conviction.

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