What does a DUI conviction typically result in regarding insurance?

A DUI conviction typically leads to higher premiums or difficulty obtaining insurance because insurance companies view individuals with a DUI as higher-risk drivers. When a person is convicted of a DUI, it is recorded on their driving record, signaling to insurers that the individual has engaged in behavior deemed reckless and potentially dangerous. As a result, insurers may raise the rates for existing policies to reflect this increased risk or may even deny coverage altogether for new applicants.

This pattern of increasing rates or making it harder to obtain insurance stems from the fact that individuals with DUIs have been statistically shown to be more likely to cause accidents or incur additional violations, making them a liability for insurance companies. Ultimately, this means that after a DUI conviction, individuals can expect to see a negative impact on their insurance status, influencing both premiums and availability of coverage.