DUI and Auto Insurance
In California, it is illegal to driver with a blood alcohol percentage (BAC) of .08% or above, while minors can be arrested for a BAC of .01%. If you’re arrested and convicted, you face a bevy of consequences, which can include jail time, court fees, community service, alcohol and drug classes, and a suspended license.
One consequence that is often overlooked is how a DUI charge could affect your car insurance rates and, if it does, how long a DUI could affect insurance rates.
Car Insurance Rates
A DUI conviction almost guarantees that your auto insurance premium rates go up. Since insurers base rates on risk, a person convicted of driving under the influence is usually labeled as “high risk.” Unfortunately, this means that your insurance rates may double, triple or even quadruple after a DUI, which can have a devastating effect on your wallet. However, over time, the insurance rates do drop accordingly, but there really is no set time frame for how long you may be affected. If you maintain a clean record, choose a car with high safety ratings, and drive less—that can help you keep your costs low.
What Is SR-22 Insurance?
In addition to your higher car insurance rates, you are required to file an SR-22 in order to revoke your suspended license. However, an SR-22 only affects your insurance for up to 2 years. During those 2 years, you have to pay a monthly fee for the SR-22, as well as an installation fee, but they do drop after the 2 years are over.
Learn More About How Long a DUI Affects Your Car Insurance Rates
If you have been arrested for DUI in California, contact our Riverside County DUI lawyers at Hanson, Gorian, Bradford & Hanich. Our mission is to get you the best possible results, whether that means lesser charges or having the charges dropped altogether.