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 Louisiana, a DUI/DWI (Driving Under the Influence/Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. After such a conviction, insurance providers often view the driver as high-risk, which typically results in increased insurance premiums. On average, insurance rates can go up by approximately 80% following a DUI/DWI conviction. Additionally, if a driver accumulates two or more DUI/DWI convictions, it becomes even more challenging to obtain the necessary insurance to legally operate a vehicle. Insurers may be reluctant to provide coverage, or they may offer it at significantly higher rates. Furthermore, a DUI/DWI conviction can lead to the suspension or revocation of the driver's license, which also negatively affects insurance rates and the ability to secure insurance. The exact increase in insurance rates and the insurance acquisition difficulties will depend on various factors, including the driver's history, the severity of the violation, and the individual policies of the insurance companies.