Insurance carriers group drivers into risk pools based on their likelihood of causing an accident. A driving record free from moving violations typically places you in a standard or preferred pool with lower rates. A DUI moves you into a higher-risk pool, where premiums rise because carriers expect potential losses.

How Insurance Companies Calculate Risk

Every insurance carrier evaluates DUI-related risk. Some companies specialize in high-risk drivers and offer more flexible pricing. Others might limit available discounts. Insurance carriers usually look at several factors when calculating your rate:

• Whether this is your first DUI: Second and subsequent offenses can trigger even higher DUI auto insurance premiums.
• Your age and driving history: Younger drivers and those with multiple moving violations typically pay some of the highest insurance premiums.
• Your location: Living in an area with heavy traffic or higher auto theft rates can drive up auto insurance rates.
• The type of vehicle you drive: High-value and frequently stolen vehicles can cost more to insure.
• The severity of the incident: A fender-bender with no injuries typically has a smaller impact on future insurance rates than a severe accident resulting in large claims.

Each company weighs these factors differently, making shopping around important to find the right carrier and insurance rate for your needs. One carrier may quote a high premium, while another who specializes in DUI-forgiving insurance may offer a far more manageable option. Breathe Easy licensed agents can match you with a DUI-forgiving insurance carrier who can offer the most competitive and affordable rate for your situation.