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How drunk driving affects auto insurance in Maryland

On Behalf of | Apr 2, 2024 | blog, Drunk Driving

Driving under the influence is a serious offense with significant consequences, including its impact on auto insurance rates. In Maryland, like in many other states, insurance companies view DUI convictions as a red flag for risky behavior behind the wheel.

Consequently, people convicted of DUI can expect their auto insurance rates to increase substantially.

Insurance premium increases

After a DUI, an immediate consequence is a noticeable increase in auto insurance premiums. reports that the average Maryland motorist sees his or her insurance rates rise 28% after a drunk driving conviction. Motorists may also face the possibility of insurance companies seeing them as high-risk drivers, which can further elevate insurance costs.

SR-22 requirements

People convicted of a DUI may have to file an SR-22 form with the state’s Motor Vehicle Administration to reinstate their driving privileges. An SR-22 is a certificate of financial responsibility that proves the individual carries the state-required minimum insurance coverage. This requirement can lead to more expenses. Insurance companies often charge higher premiums for policies that include an SR-22 filing.

Long-term consequences and options

The impact of a DUI conviction on auto insurance rates can extend well beyond the immediate aftermath. Depending on the insurance provider, the increased premiums may persist for several years, affecting finances in the long term. However, there are options available to mitigate the effects. Some insurance companies offer discounts for completing defensive driving courses. Maintaining a clean driving record can also help reduce insurance premiums over time. So, too, can avoiding further violations.

Understanding these consequences and exploring available options can help people navigate the challenges of obtaining affordable auto insurance coverage after a DUI.