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Your insurance rates could more than double after a DUI

On Behalf of | Sep 13, 2021 | Criminal Defense, Drunk Driving, Dui |

Most auto insurance companies charge higher rates for drivers the company considers high-risk. Some companies will not insure high-risk drivers at all.

Drivers who receive a driving under the influence conviction in Nebraska could see insurance rates more than double.

Nebraska high-risk auto insurance

Insurance companies determine what to charge drivers for insurance based on their driving record, gender, age, coverages they chose, deductible and the insured vehicle, among other things. Most insurance companies either increase rates or refuse to insure high-risk drivers. Examples of high-risk drivers include drivers with multiple speeding tickets, drivers with multiple accidents, teenage drivers and drivers convicted of driving under the influence.

Consequences of DUI convictions

Most insurance companies consider DUI convictions to be one of the highest risk factors for drivers. On average, insurance premiums increased between 37% and 125% for Nebraska drivers who have a DUI conviction. These drivers are also required to have their insurance company file a certificate of financial responsibility with the DMV to legally drive.

Because Nebraska requires all drivers to have liability insurance, if they can not get insurance on the standard market because of DUI convictions, they must seek coverage in the high-risk market, which can be more expensive.

In addition to the jail time and serious injuries or fatalities that may result from driving under the influence, a DUI conviction can cost drivers a substantial amount in additional insurance premiums. Avoiding DUI convictions is a good idea for anyone who wants to keep their insurance costs low.