How does a DUI affect my insurance rates?

A DUI conviction can have a serious impact on your insurance rates in North Carolina. Insurance companies will consider a DUI conviction to be a high risk and can raise your rates substantially. Depending on the severity of the DUI, your insurance company may even cancel your policy outright. According to North Carolina law, a conviction for a first offense DUI will result in a fine of up to $10,000, jail time up to 24 months, and license suspension of up to a year. Additionally, the state may require that your vehicle be equipped with an ignition interlock device, which requires you to blow into the device to start your car. The DUI conviction will also be reported to your insurance company, who will likely use it as grounds to raise your rates significantly. Your rates could increase anywhere from 50% to 300%, and you may have to pay an increase in premiums for up to three years. Your rates can then be gradually lowered as long as you maintain a clean driving record and continue to be a responsible policyholder. The most important thing to remember is that a DUI conviction can have long-lasting consequences and it’s important to take it seriously. While it can be costly, the consequences of not taking it seriously can be even greater. If you’re facing a DUI conviction, it’s best to take action immediately by speaking to a qualified DUI attorney and taking steps to protect your legal rights.

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How does a DUI affect my insurance rates?

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