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How much does auto insurance increase after a Georgia DUI?

On Behalf of | Feb 20, 2024 | Drunk Driving

Understanding the impact of a Georgia conviction for driving under the influence is important for anyone facing these charges. A DUI can lead to significant consequences.

Knowing how a DUI affects auto insurance rates and coverage helps mitigate the financial repercussions of a DUI.

How a DUI affects auto insurance rates

A DUI typically results in higher auto insurance premiums. Insurance companies consider DUI convictions as high-risk behavior, which increases the likelihood of accidents and insurance claims. As a result, insurance companies consider drivers to be high-risk motorists. This leads to higher premiums to offset the increased risk.

In addition to higher premiums, a DUI can also result in policy cancellations or non-renewals by insurance companies. Some insurance providers may choose to cancel existing policies or decline to renew policies for drivers with a DUI conviction. In such cases, drivers may need to seek coverage from specialty insurance companies that cater to high-risk drivers. These policies often come with higher premiums.

How to mitigate the impact

While a DUI can have significant consequences for auto insurance, there are steps drivers can take to mitigate the impact. Challenging the DUI charge or exploring options for plea bargains or reduced charges may help. Completing a defensive driving course or alcohol treatment program may also demonstrate to insurance companies a commitment to safe driving behavior, potentially reducing the impact on insurance rates.

Insure.com reports that a Georgia DUI increases auto insurance rates by an average of 78%. Recognizing the repercussions of driving under the influence helps motorists make informed decisions when it comes to transportation.