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 Montana, a DUI (driving under the influence) or DWI (driving while intoxicated) conviction can have a substantial impact on a driver's car insurance rates. After such a conviction, insurance providers typically view the driver as 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 and the specifics of the driver's record. 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, or they may offer it at significantly higher rates. Additionally, Montana law requires a driver's license suspension or revocation for DUI/DWI offenses, which further complicates the ability to obtain insurance, as insurers generally require a valid driver's license for policy issuance.