How can a DUI affect your insurance rates in New Jersey?

When you are charged with driving while under the influence (DUI), you may expect to face a variety of harsh penalties that will negatively impact your life. However, many people do not realize the long-term repercussions associated with this type of offense. An individual may be subjected to an array of fines, probation, community service, an alcohol education program, license suspension, and even jail time. They can also expect an increase in auto insurance premiums. Keep reading to learn how a DUI can affect your auto insurance rates and how our seasoned Bergen County DUI Attorneys can fight on your behalf to prevent harsh penalties. 

Can a DUI affect my auto insurance rates in New Jersey?

When you go to an insurance company to obtain auto insurance coverage, the insurance company will first evaluate your driving record to calculate an appropriate rate. When you receive a quote from the insurance company, they calculate their rate based on your future risk of being involved in a collision. When examining your driving history, if they see that you have been charged with DUI, they will consider you a “high-risk” driver. Essentially, a high-risk driver is a motorist who is more likely to be involved in an auto accident due to their reckless and negligent actions. Therefore, after a DUI conviction, you will see a significant increase in your auto insurance rates.

How long will this driving infraction affect my rates?

In New Jersey, DUI is one of the most serious driving infractions you can commit on the road. Unfortunately, if you are charged with DUI, it will stay on your record permanently. This often makes motorists wonder how long a DUI conviction can affect their insurance rates. Fortunately, many insurance companies only look back 3 to 5 years into a motorist’s driving history. However, every insurance company has different standards, so they can look back even further to calculate an insurance rate. Therefore, depending on the insurance company, a DUI conviction can affect your insurance rates for several years. Furthermore, many insurance companies do not renew or terminate a policyholder’s coverage if they are charged with DUI. Insurance companies have the authority to terminate a policyholder’s insurance coverage at their discretion. This is typically the case if a motorist has had subsequent offenses. Ultimately, if you are considered a high-risk driver because of a DUI conviction, you will have a difficult time finding a reasonable insurance rate. This can affect whether a motorist can afford auto insurance.

DUI will result in increased insurance rates which is why it is imperative to retain the legal services of an experienced Bergen County DUI attorney. Our firm is committed to defending our clients’ rights. Allow our qualified attorneys to represent your interests in court to seek a favorable outcome.