DUIs are expensive, but drivers in some parts of the country pay a significant
amount more in insurance premiums than others. A recent article by NerdWallet
analyzed the impact of DUIs on insurance throughout the country. The findings
were particularly interesting for those in California. According to the
researchers who conducted the study, drivers from San Bernardino, California
can experience an average of 135.06 percent increase in insurance premiums
every year after receiving a
driving under the influence ticket, or DUI.
The increase seems large on its own, but it becomes even more massive when
compared to the national average: 75.3 percent. Californians can experience
over 50 percent higher increases in insurance costs after a DUI than those
who live in other areas of the country.
It does not appear that there is a connection between the danger rating
of the city and the insurance premium jumps. San Jose, California, for
example, was listed as one of the cities with the fewest fatal alcohol
related car crashes in the country. Car insurance premiums for drivers
in the city were estimated at $890.51, but after a first DUI conviction
this premium jumps to $2,108.84. That translates to a 136.80 percent difference in cost.
Jumps in insurance premiums are just one financial impact that can result
from a DUI conviction. Depending on the details of the charges, additional
penalties can include steep fines and potential imprisonment. These charges
can be fought. An experienced DUI lawyer will review the details of the
case, examining whether the officer who made the stop and gathered evidence
followed proper procedures and also make sure proper techniques were used
when administering a Breathalyzer test or field sobriety test. A strong
defense could lead to a reduction or, in some cases, even a dismissal
Source: NerdWallet, "
The Most Dangerous Cities: DUIs, Deaths and Your Insurance," John Kuo, July 21, 2014