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As far as your car insurance costs are concerned, a DUI conviction is about the worst thing that you can have on your driving record. Avoid drunk driving all together; a DUI can cost more than just a lot of money.
The Facts
Exactly how much a "driving under the influence" citation affects your insurance premium depends on where you live and your insurer. Generally, your rates will rise drastically, sometimes tripling your current rate, reports CarInsurance.com.
Considerations
DUIPenaltiesFAQ.com reports that your insurance company might even stop insuring you completely.
Function
Most states effectively force you to tell your insurance company about your DUI because the courts take away your license until you furnish an S-22 form from your insurer (assuming your state requires an S-22 to reinstate your license, and most do), reports DUIPenaltiesFAQ.
Important Statistic
DUI convictions drive up car insurance costs dramatically because drinking and driving is extremely dangerous. An alcohol-related traffic accident happens every 29 minutes in the U.S., reports Insure.com.
Time Frame
Expect to have a DUI conviction affect the costs of your car insurance premium for the next 5 to 7 years, reports CarInsurance.com. If you live in a state that does not use an S-22, insurers will find out about your DUI when you get a car and they run a driving record on you.
Source:
CarInsurance.com; How does a DWI affect your car insurance?
DUIPenaltiesFAQ.com; How Does a DUI Conviction Have an Effect on Your Car Insurance?
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