A DUI in Pennsylvania can lead to severe consequences. It can involve fines, license suspension and even jail time. A notable impact of a DUI is the rise in auto insurance rates.
On average, insurance rates can increase by almost 90% after a DUI, and there are several reasons why this happens.
Why insurance rates increase
Insurance companies consider drivers with a DUI as high-risk. High-risk drivers are more likely to get into accidents and file claims. To cover this increased risk, insurance companies raise premiums. According to Bankrate, the average full-coverage auto insurance rate for drivers without a DUI n Pennsylvania is around $2,790 per year. After a DUI, this rate can jump to $5,207 annually.
How long rates increase
A DUI can stay on a driving record for 10 years. During this period, insurance companies will factor in the DUI when setting rates. Even if a driver maintains a clean record after the DUI, the elevated rates can persist for a long time.
How to lower insurance rates after a DUI
Drivers with DUIs can take certain steps to reduce their insurance rates over time. Maintaining a clean driving record is key. Avoiding further traffic violations and accidents shows insurance companies that the driver has changed his or her behavior. Taking a defensive driving course can also help. These courses improve driving skills and demonstrate a commitment to safe driving.
How to find better rates
Another way to manage high insurance rates is to shop around for different providers. Some insurance companies offer more competitive rates for high-risk drivers. Comparing quotes from multiple providers can help find the best available rate.
Understanding the effects of a DUI on auto insurance can help drivers make better choices and manage their insurance costs more effectively.
