How does a DUI conviction affect your car insurance?

| Aug 5, 2020 | DUI

A drunk driving conviction can impact your life in a variety of ways, but did you know it can affect the cost and terms of your car insurance? Progressive notes that a DUI may stay on your driving record for three to five years and during that time, you may face costly premiums. 

If you receive a DUI conviction, your car insurance coverage could change or vanish completely, which could leave you without transportation to work and important appointments. 

A spike in premiums

After a DUI conviction, your car insurance rates could spike considerably. As such, you may end up paying several thousand dollars a year for these increased premium costs. The increase might also depend on whether you have other charges on your driving record, such as speeding tickets, and how much time passed since the original DUI charge. 

Dropped coverage

Depending on your current insurance carrier, you may find yourself without coverage after a DUI conviction. If you no longer have a vehicle after your accident, consider applying for a nonowner liability insurance policy that covers any property damages or personal injury that you might cause while driving a car you do not own. This type of insurance may also help you in the aftermath of a DUI if you have other costs relating to your conviction, such as fines. 

Drunk driving laws and the accompanying punishments for DUI can vary widely depending on the circumstances of your case. Higher insurance rates and a loss of coverage are only a few consequences you might face after conviction, but there are alternatives that may provide you with new or altered car insurance.