{"id":75,"date":"2021-03-15T20:10:46","date_gmt":"2021-03-15T20:10:46","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guides-and-tips\/?p=75"},"modified":"2021-05-10T20:35:56","modified_gmt":"2021-05-10T20:35:56","slug":"how-much-does-a-dui-raise-your-car-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-rate-savings-tips\/how-much-does-a-dui-raise-your-car-insurance\/","title":{"rendered":"How Much Does a DUI Raise Your Car Insurance?"},"content":{"rendered":"
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Every day, over 3,000 people are arrested for driving under the influence of drugs or alcohol. Accidents caused by impaired drivers make up around 15% of weekday car accidents and 31% of weekend car accidents. Being caught in this kind of accident can be dangerous and have serious legal consequences for the drunk driver.<\/p>\n

If you were the one who drove under the influence of a substance, you do have options to get back on the road. With good behavior and compliance with court orders, you can get back to a relatively normal driving routine with a restricted license and SR-22 vehicle insurance.<\/p>\n

DUI insurance<\/a><\/strong>\u00a0plays a vital role in getting drivers with less-than-perfect records back to their usual driving routine. By covering vehicles for high-risk drivers, an FR-44 or SR-22 addendum serves as a vital tool for many drivers who find themselves in this situation.<\/p>\n

Driving under the influence has strict consequences, even for a first-time offender. If you\u2019re caught, a DUI can include hefty fines and a suspended license, while repeat offenses can merit jail time, higher fines, and extended license suspension periods.<\/p>\n

If you have a chance to get an SR-22\/FR-44 certificate to qualify for high-risk, non-standard insurance, take it. This is an opportunity to get back on the road and maintain your former lifestyle of freedom.<\/p>\n

Though the costs of this type of insurance are higher than standard insurance, it will help you maintain your lifestyle. So how much does a DUI raise your car insurance<\/a><\/strong>\u00a0premium? We\u2019ll answer this question and more.<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

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The Short Answer<\/h2>\r\n
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Long story short: A DUI will noticeably raise your insurance premium. However, how much it goes up depends on many factors. Your age, marital status, driving experience, history of traffic violations, criminal history, location, and vehicle type all influence the cost.<\/p>\n

Generally, the premium for non-standard SR-22 insurance<\/a><\/strong>\u00a0costs between 28% to 371% higher than a standard auto insurance plan. The average percent increase is around 80%, but this is usually for a first offense.<\/p>\n

The average premium for DUI insurance is around $2,760 a year, about $230 per month. Compared to the average cost of standard car insurance ($1592 a year), this is a yearly increase of over $1,000. In some cases, the price can be higher \u2014 especially if this is a repeat offense.<\/p>\n

There is usually an option to make monthly payments or to pay the total yearly cost upfront. Normally, the cost is lower if you pay the full fee upfront. There may also be discounts for taking defensive driver courses.<\/p>\n

While this is a significant increase from standard auto insurance rates, the value of driving can\u2019t be quantified. Being able to travel freely offers individuals with a DUI regular and reliable transportation.<\/p>\n

This privilege helps people get to work on time, fulfill their responsibilities, and prove that they can have a safe driving record. Driving safely while using non-standard insurance can help you in all areas of life, including your upcoming court date. By proving you can be a safe and responsible driver, your actions will pave the path to a bright future.<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

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How to Get Insurance With a DUI<\/h2>\r\n
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If you get caught driving with a blood-alcohol level of .08% or higher, you will be charged with a DUI and get fined, go to court, and perhaps get jail time for even a first offense. Each state has its own DUI\/DWI laws<\/a>, but you will most likely get your license suspended and be issued a temporary license so you can go to court.<\/p>\n

While you hold this temporary license, you must contact the DMV within 10 days, or else it will be revoked without notice. If you miss this window, you\u2019ll lose your license for at least four months.<\/p>\n

When you arrive at court, you can petition for a restricted license. If granted, this hardship license allows you to drive to essential places like work, school, childcare, or access medical needs. This restricted license is necessary to have for you to drive legally in most states. It is also your only way to insure your vehicles without standard insurance.<\/p>\n

Depending on if the offense was the first or a repeat, the judge will order a variety of consequences like community service, jail time, fines, and a suspended license. You may also be required by the court to install an ignition interlock device on all the vehicles you operate. This device should be installed between 14-30 days of your offense.<\/p>\n

To get your vehicle insured with a restricted license, you\u2019ll need an SR-22 or FR-44 certificate, which involves higher insurance rates and SR-22 insurance. This, in compliance with all the other court-ordered mandates, is your key to a reinstated license.<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

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