How long will my insurance rates be affected by a DWI conviction?

A DWI conviction in Florida can have a lasting effect on your insurance rates. Insurance carriers typically view the offense of Driving While Intoxicated as a serious one, and the conviction of a DWI carries a high risk that can result in higher rates of insurance. Depending on the insurance carrier, a DWI conviction could affect your insurance rates for up to three to five years. Not only will your rates likely increase, but you may be labeled an “at risk” or “high-risk” driver, meaning that you’ll be charged more for coverage than what a person with a clean driving record would pay. The increase in rates can vary depending on the company, the severity of the DWI offense, and the driving record of the individual. In addition to the increase in rates due to the DWI conviction, insurance companies may also require an additional fee to be paid in order to keep the policy active. This fee is known as a surcharge and is standard amongst most insurers. The surcharge is in addition to the premium you would normally pay and is typically paid monthly. It is important to remember that the effects of a DWI conviction on insurance rates can vary depending on the state, the individual, and the insurance company. A DWI conviction is a serious offense and is likely to have a long-term impact on your insurance rates.

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How long will my insurance rates be affected by a DWI conviction?

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