Search Site
Menu
How does a DWI affect your insurance?

Drunk driving comes with a multitude of possible consequences: car accidents, injury or death, license suspension, jail time, and so on. A DWI affects other areas of life, as well. For example, losing your license could make it difficult to show up to work and earn the money to pay fines.

One consequence you may have overlooked is how a DWI impacts your auto insurance. Understanding this connection can help you realize the importance of a strong defense in dealing with DWI charges.

Higher rates

No doubt, a DWI will cause your insurance rates to increase significantly. Insurance companies will see you as an accident risk on the road. Also, not every company offers coverage for those with DWI convictions, so the competition is less, driving rates up even more.

How much insurance prices will go up depends on the provider, but it can be more than double what you are paying now. According to Value Penguin, the average in New York is about a 42-percent increase. It may happen immediately upon notification to your insurer or not until during your renewal. Your current insurer may even cancel your policy or refuse to renew it.

The rest of your driving history may also play a role. If you do not have previous accidents or traffic tickets, you may not face as high an increase as someone with a history of reckless behavior. Age is another factor insurers look at.

Driving record

Unfortunately, a conviction of drunk driving is not something you can leave behind quickly. A DWI stays on your public driving record for 15 years in New York. A DWAI (driving while ability impaired, meaning your BAC was lower than 0.08 percent) stays on for 10 years.

These lengthy time periods can make it challenging to find affordable insurance even years later, and you will have to show proof of insurance in order to regain driving privileges if you end up losing them. That is why it is so important to do what you can in the beginning to fight or reduce charges and penalties.

Leave a Reply

Your email address will not be published. Required fields are marked *

James L. Riotto Attorney Photo
James L. Riotto
Criminal Defense Lawyer

James L. Riotto is an accomplished criminal defense attorney serving clients in New York. With an extensive background in law enforcement and criminal prosecution, his approach to each case is unique and informed by years of experience with the New York criminal justice system. As a graduate from Albany Law School and before going on to start his own practice, James worked at the Albany County District Attorney's Office, where he helped prosecute many DWI offenses. His inside knowledge of the tactics used to gain convictions provides him with a particular advantage when defending against DUI and other criminal charges.

Adam Staier Attorney Photo
Adam Staier
Of Counsel

About Attorney Adam Staier has spent the last seven years practicing criminal defense law throughout upstate New York and the Capital Region. He began his legal career through internships in civil law, indigent legal representation and federal energy law regulation. Finding a passion in criminal law, Mr. Staier held internships handling both prosecution and defense…

  • What to do if pulled over for a DUI


    How to deal with a DWI traffic stop

    How you handle getting pulled over for a DUI/DWI can significantly affect your defense down the road. For instance, declining the officer's request to search your vehicle and avoiding specific answers when asked about any substances you may have consumed could help you when combating DUI/DWI charges in court.
    READ MORE
Reviews and Ratings
  • lawyers
    5.0/5.0

    I have a good experience with this lawyer they going to help you and they fight for you . I have interviewed Many law office but no one give me an idea How they going to win the case But these people does and I win the case and I am very very happy T...

    Read more

    Client

  • google
    5.0/5.0

    I hired this firm for a legal matter. I was very happy with the outcome and the work that was done. All was handled extremely professional and easily for me. I would definitely recommend this firm.

    Read more

    Lori C

  • google
    5.0/5.0

    I had a great experience working with the office. I received a speeding ticket and everyone in the office helped me to not only understand the process but also to decrease the ticket to prevent points on my license. Couldn't have asked for better com...

    Read more

    D. J.

  • google
    5.0/5.0

    This firm was able to get my 6 point speeding ticket down to a minor 0 point violation! The staff was always proffesional with me. Couldnt be happier I def recommend them!

    Read more

    Elvis Marte

  • google
    5.0/5.0

    The law office offered excellent service for my traffic ticket. The cost is at par with other lawyers but they are responsive to your needs. I requested my matter to be solved within a stipulated time and they were able to give results before that. ...

    Read more

    GAURAV CHAUHAN

See all reviews
Featured Article
  • The Top Criminal Defense Lawyers in Rochester.

    Handpicked Top 3 Criminal Defense Lawyers in Rochester, New York. Our 50-Point Inspection includes everything from checking reviews, ratings, reputation, history, complaints, satisfaction, trust and cost to the general excellence. You deserve only the best!

    VIEW ARTICLE
Contact us

Quick Contact Form