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 Minnesota, a DUI/DWI (Driving Under the Influence/Driving While Impaired) conviction can have a substantial impact on a driver's car insurance rates. After such a conviction, insurance providers may consider the driver to be high-risk, which often results in increased premiums. On average, insurance rates can go up by approximately 80%, although the exact increase can vary based on the insurer's policies and the driver's history. Multiple DUI/DWI convictions compound the issue, making it even more challenging for drivers to find affordable insurance. Insurers may be reluctant to provide coverage to individuals with multiple offenses, or they may only offer policies at significantly higher rates. Additionally, Minnesota law requires drivers with a DUI/DWI conviction to obtain SR-22 insurance, which is a certificate of financial responsibility, to reinstate their driving privileges. This requirement further emphasizes the driver's risk status to insurance companies.