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 Missouri, a DUI/DWI conviction can have a substantial impact on a driver's insurance rates. Missouri law considers driving under the influence of alcohol or drugs a serious offense, and insurance companies typically raise premiums for drivers with such convictions on their records. On average, insurance rates can increase by about 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 consider such drivers 'high-risk,' which can lead to either significantly higher premiums or the possibility of being denied coverage altogether. Furthermore, a DUI/DWI conviction often results in the suspension or revocation of the driver's license, which also negatively affects insurance rates and the ability to secure insurance.