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 Indiana, a DUI/DWI (Driving Under the Influence/Driving While Intoxicated) conviction can have a substantial impact on a driver's insurance rates. Indiana law considers DUI/DWI as serious offenses, and as a result, insurance companies may increase premiums significantly, sometimes by an average of 80% or more, due to the higher risk associated with insuring a driver with such a conviction. Multiple DUI/DWI convictions compound the issue, making it even more challenging for drivers to find affordable insurance. Insurers may deem such drivers as 'high-risk,' which can lead to difficulty in obtaining the necessary insurance to legally operate a vehicle. Additionally, a DUI/DWI conviction often results in the suspension or revocation of the driver's license, which further complicates the ability to maintain or secure insurance coverage. The specific increase in insurance rates and the ability to acquire insurance will vary depending on the individual's driving history, the severity of the offense, and the insurance company's policies.