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 Massachusetts, a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. Massachusetts law considers these offenses serious, and as a result, insurance companies may increase premiums significantly, sometimes by an average of 80% or more. This is because insurers view drivers with DUI/DWI convictions as high-risk. Additionally, if a driver has multiple DUI/DWI convictions, it becomes even more challenging to find an insurance provider willing to offer coverage, and the rates may be prohibitively high. Furthermore, a DUI/DWI can lead to the suspension or revocation of a driver's license, which also negatively affects insurance rates. The length of the suspension or revocation can vary depending on the severity of the offense and whether it is a first or subsequent conviction. During the period of suspension or revocation, the driver is typically required to file an SR-22 form (a certificate of financial responsibility) with the state to prove that they have the minimum required insurance coverage, which can also lead to increased insurance costs.