How Much Can an Arizona DUI Raise Your Insurance Rates?
It is no secret that Arizona has some of the harshest driving under the influence laws in the country, and the consequences you will likely face after a DUI conviction are considerable. Even first-time drunk drivers can anticipate facing some harsh penalties, among them jail time, fines, and a suspended license. The repercussions associated with the crime do not completely go away once you get your license back.
Instead, Insure.com reports that you can expect to see a sharp increase in the amount you must pay for automotive insurance coverage once you receive a conviction for DUI, and Arizona’s drunk drivers face some of the highest insurance rate hikes in the country. Just how much could your insurance rates go up once you have a conviction for an Arizona DUI?
Insurance Rate Increase for First-Time DUIs
Arizona motorists who have first-time DUIs on their driving records can expect to see their automotive insurance coverage costs spike 145 percent. Just how much of a hit will your wallet take?
Currently, Arizona drivers who do not have DUIs on their driving records shell out about $1,399 a year to maintain car insurance coverage. Once a driver has a DUI on his or her driving record, however, this figure rises to $3,423 per year, which makes for an annual difference of $2,024.
If coming up with an additional $2,024 per year sounds difficult, recognize that some drivers who have drunk driving backgrounds may not find an insurer willing to extend them coverage at all. Once you have a DUI on your record, insurers may think twice about extending you coverage because they view you as a liability or fear you make the same mistake again. Under such circumstances, you may need to try to secure quotes from a number of different insurers to find a manageable rate.
Some motorists try to hide the fact that they received drunk driving convictions from their auto insurers, but this is not a good idea. Your insurer will almost undoubtedly find out about your conviction, so you would be wise to plan for a steep insurance rate hike in the aftermath.