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 Maryland, a DUI (Driving Under the Influence) or DWI (Driving While Impaired) conviction can have a substantial impact on a driver's car insurance rates. Maryland law considers these offenses serious, 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 a history of impaired driving. Additionally, multiple DUI/DWI convictions can lead to even more severe consequences, including the possibility of insurance companies refusing to provide coverage. This can make it challenging for drivers with multiple offenses to find the necessary insurance to legally operate a vehicle. Furthermore, a DUI/DWI conviction typically results in the suspension or revocation of the driver's license, which also contributes to increased insurance costs once the license is reinstated. The exact rate increase and insurance availability can vary based on the individual's driving record, the insurance company's policies, and other factors.