Effects of Driving Under the Influence on Your Auto Insurance Rates

Your life changes when police officers pull you over and charge you with driving under the influence. A DUI can result in the loss of your license. You might face a significant fine. And you’ll have a serious crime on your record. But what are the effects of driving under the influence on your auto insurance rates?

In short, you’ll pay more for car insurance if you have a DUI on your driving record. And the odds are good that you’ll pay a lot more.

Insurance companies charge higher rates to drivers whom they consider to be high-risk. This makes financial sense; high-risk drivers are more likely to suffer serious car accidents that require big payouts from their auto insurers. Insurance companies view drivers with DUIs on their driving records as high-risk drivers, and will charge them higher rates.

The more difficult question to answer? How high will your particular rate climb after a DUI? Insurance companies consider several factors when determining how much each of their customers pay for insurance. Customers’ driving records are just one part of a bigger equation.

For instance, auto insurers tend to charge drivers less if they install a security system on their vehicles. Others provide lower rates for customers who leave their cars at home during the week and take public transportation to work. Drivers who live in zip codes with less car thefts will pay lower rates, too.

If you want to know the exact effects of driving under the influence on your specific auto insurance policy, you’ll need to call your insurer. Only by talking with your insurance agent they will you get an accurate picture of how your auto insurance rates will change.

One thing is certain, though; once your DUI becomes official, you can expect your auto insurance rates to rise as your insurance company moves you into the high-risk-driver category.

Things that Will Cause Car Insurance Rates to Change

Drivers carefully shop and compare insurance rates to ensure they are getting the most coverage available at the most affordable price. However, auto insurance premiums are never fixed, and may fluctuate over time. Whether they rise or fall, there are several reasons why car insurance rates are subject to change.

What will Cause Car Insurance Rates to Change?

One of the most common reasons car insurance rates change is due to a traffic accident or citation. Speeding, driving under the influence or being ticketed for a traffic accident are all reasons insurance rates may rise. However, some minor traffic citations may not go on your permanent record or raise your insurance premiums if you take a defensive driver’s education course in the weeks following the citation.

Another reason your car insurance rates may change is if you file a claim. Whether you are responsible for a multi-car collision, or if you become the victim of a car break-in, filing a claim against your policy will likely result in a higher insurance premium. On the other hand, if you do not file a claim for several years, you may see a reduction in your insurance premiums.

Age and Credit

Some factors that influence your auto insurance premiums are unrelated to your driving and claims record. If you purchased your insurance policy while you were young, you may see your premiums drop as you get older. For example, insurers often provide significant rate reductions when women turn 21 and men turn 25.

Similarly, your credit score has an influence on your ability to secure a low insurance premium. Insurers often perceive individuals with good credit as safe drivers. If you received a preferred rate due to a good credit history, but your credit score subsequently dropped, you may see an increase in your auto insurance premiums.

Sleeping Behind The Wheel

Sleeping behind the wheelWith many accidents occurring on Missouri roads, majorly due to intoxicated drivers by either drugs or alcohol. Remember that accidents occur even when the driver is under the influence of sleep. As per the survey conducted, one in five fatal accidents involve a drowsy driver. Many organizations are promoting awareness to avoid such incidents. Accidents occurring due to drowsy driving had 12% of drivers being hospitalized and 8% where a vehicle was towed. Survey also found that the rate of drowsy driving accidents involved more of men than women. Specially the younger drivers below the age of 24 than any other age group.


Before getting behind the wheels, realize if you are feeling drowsy. You may feel too sleepy if you find very difficult to keep your heavy eyes open while driving. You will be struggling to drive on one lane or drifting over rumble strips on highway. It is surely confirm that you are drowsy when you cannot remember the few miles driven. Before getting behind the wheels, you as a driver need to ensure few things in order to avoid accidents.

If you are feeling drowsy, immediately pull over to freshen up and then start. Before any road trip make sure you hadenough sleep, say minimum of 7 hours specially if it is a long journey. Drinking hot beverages such as coffee or tea helps some drivers to keep them active. Ensure not to travel alone, if you find to feel drowsy and let the other passenger be alert. Do take a break for every 2 hours or 100 miles when on long way. Try not to drive much during night times or when you are feeling asleep. Remember, a claim free and violation free driver will always qualify for discounts and thus a lower premium rate.

Reasons Affecting Car Insurance Premium

  • Reasons Affecting Car InsuranceEducation Qualifications :
    While education may not make one a better or safer driver, it says a lot about what kind of person the applicant is. Education Qualifications and employment directly influence income, income affects lifestyle and lifestyle is a very important consideration for car insurance companies. Not only does lifestyle showcase the scale of living, it also influences the sort of money at one’s disposal. The kind of car or vehicle to be insured is one of the most important factors that influence how much you pay as premium. The costlier the vehicle, the more the car insurance will cost as the cost to repair a high end vehicle is a lot.
  • Credit details :
    The relationship one has with the bank says a lot about the person. The insurance company may ask to see bank documents. However, most of the time, the New Jersey car insurance company will run a background check on a person’s credit history. While most of these details may provide tangential information, not directly saying anything about a person’s character or driving technique, they do count to create an overall picture of the applicant. It might make some sense to manipulate your credit rating and maintain a decent credit history profile, considering this detail is scrutinized by insurance companies.
  • Use of the Vehicle :
    This is important to note. It should be obvious that the more a vehicle is used, the higher the chances of meeting with an accident. Even though a person may lead a high flying lifestyle and need to travel distances to work and back, he or she may have limited use for the vehicle. Several New Jersey car insurance companies provide transport to their officers. So a person possessing an expensive car may have one because he or she has the means to but may not get much use out of it. The insurance company may charge a lower premium in such cases and provide a policy that has limited coverage.