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How much does an Alabama DUI impact auto insurance rates?

On Behalf of | Jun 1, 2022 | DUI

When an Alabama traffic stop leads to a charge of driving under the influence, you may face significant penalties of that charge then leads to a DUI conviction. There are many expenses related to an Alabama DUI. While some of these are one-time expenses, others may impact your finances for the foreseeable future.

Per Bankrate, you should expect your car insurance premiums to increase quite a bit after receiving a conviction for DUI.

How much your rates might increase

The typical Alabama driver who gets a first-time DUI conviction watches his or her annual insurance rates rise by 92%. Before you received your drunk driving conviction, you might have paid somewhere around $1,623 a year for insurance coverage, provided your driving history was pretty standard. Yet, after a drunk driving conviction, you should anticipate paying closer to $3,121 per year for auto insurance coverage.

How to find the most favorable rate available to you

It may take some time and effort to find an insurer to cover you after a DUI. Some providers prefer not to cover drivers with DUI convictions, but they are statistically a higher-risk group. Many people in your shoes find that national automotive insurance providers often offer better rates for motorists with DUI convictions than smaller, more local car insurance companies. However, all insurance providers have their own formulas they use for setting rates. Thus, it may serve you well to check with a few different providers to see which one offers you the lowest premium.

An Alabama DUI remains in your record throughout your life. Unlike in some states, the conviction does not expire or disappear after a certain amount of time.