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DUI by the Numbers with Alarming Statistics

When you drive under the influence, you risk several dangerous consequences, one of which is the effects that a DUI can have on your insurance rates. Here’s exactly how driving under the influence affects your insurance.

Facts about Driving Under the Influence

First, know the facts about driving under the influence. The typical drunk driver has driven drunk 80 times prior to their first arrest, and 50-75% of convicted drunk drivers continue to drive on a suspended license. Nearly a fourth of drunk drivers are 21-25 years old, and drunk driving costs the U.S. $199 billion per year. Sadly, two out of three people will be involved in a drunk driving accident during their lifetime.

If a friend is pulled over for a DUI in your car, it will not affect your insurance. However, a household resident’s poor driving record will affect the rates on the insurance policy. If a minor is convicted of a DUI, the insurance rates of the parents may increase as a result.

Statistics and Infographic

DUI_Infographic

SR-22 Insurance and other factors

Car insurance rates are fixed on an individual basis, depending on the severity of the circumstances. However, the average estimated increase in car insurance after a DUI is around $2,700. In most jurisdictions, convicted drunk drivers must apply for SR-22 insurance in order to recover their driving privileges once the license suspension has ended (Delaware, Kentucky, Minnesota, New Mexico, Oklahoma, and Pennsylvania do not require SR-22 filing).

SR-22 insurance is a court-ordered document proving minimum liability coverage for insured drivers who have been convicted of various traffic offenses. Regarding your record, the requirements for an SR-22 filing may be three years. However, you’re not completely protected from higher insurance rates after the SR-22 is no longer required, because a DUI will still appear on your record.

The Cost of Driving Under the Influence

Many major insurers might refuse to insure a convicted DUI offender and may non-renew coverage. If a driver with an SR-22 filing cancels their policy or lets it lapse, the insurer must inform the state authorities, which could lead to a loss of driving privileges. If the driver switches insurers, the SR-22 must be refiled.

If the driver moves to another state, he or she must fulfill the SR-22 requirement of the former state, even though he or she no longer lives there. Most states require SR-22 insurance to be filed for three years. If the driver remains violation-free during that time, he or she will no longer be required to file an SR-22.

Driving under the influence is a serious offense with potentially deadly consequences. Think twice before getting behind the wheel of a car while under the influence.

Kristen Geil

Kristen Geil

Kristen Geil is a Digital Content Writer/Blogger at Digital Third Coast, a Chicago digital marketing agency. Connect with Kristen on LinkedIn and Google+.

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