Insurers charge higher premiums when drivers present a higher statistical risk of causing an accident. If you have several speeding tickets, are caught driving without insurance or have a DUI conviction, your insurer may classify you as a high-risk driver. As a result, you’ll pay more for auto insurance than a driver with no moving violations or serious traffic offenses.
Some insurance companies won’t provide coverage for high-risk drivers, so you may need to switch insurers after a DUI conviction. While your insurance rates may go up significantly after a DUI conviction, your rates depend on multiple factors. Speak to an agent if you have concerns about your new insurance rates after a DUI charge.
Your agent can help you shop for insurance coverage if you are considered a high-risk driver.