A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In Alabama, a DUI (driving under the influence) or DWI (driving while intoxicated) conviction can have a substantial impact on a driver's car insurance rates. Alabama law considers DUIs to be serious offenses, and as a result, insurance companies may increase premiums by an average of 80% or more following a conviction. This is because insurers view drivers with DUI/DWI convictions as high-risk. Additionally, multiple DUI/DWI convictions can lead to even more significant challenges, including the possibility of insurance companies refusing to provide coverage. This can make it difficult, if not impossible, for drivers with multiple offenses to legally operate a vehicle, as Alabama requires drivers to maintain minimum liability insurance coverage. Furthermore, license suspension or revocation is a common consequence of DUI/DWI convictions, and related traffic violations or accidents can also contribute to increased insurance costs.