DUI and DWI Premium Factor

Over the past few decades, public awareness of the dangers of drunk driving has been raised by the media and groups such as Mothers Against Drunk Driving (MADD).

As a result DUI/DWI-related fatalities have dropped from 60% of all traffic-related fatalities in 1982 to 37% in 2008, according to the National Highway Traffic Safety Administration (NHTSA). Of the states, Texas has the highest rate of alcohol-related fatalities at 43% while Vermont and Utah recorded the lowest at 21% and 20%, respectively.

Being caught drunk driving opens up a wide range of financial and legal problems in addition to how it affects families and the social stigma that comes with such anoffense.

Also, a DUI/DWI conviction will always affect your insurance rates negatively, if your carrier doesn't cancel your policy altogether. Often your premiums will jump anywhere from 20% to 50% but the actual amount will depend largely upon the insurance company and other factors such as your driving record prior to the conviction.

For more information on DUIs and insurance premiums, be sure to read our article here.