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 New Mexico, a DUI/DWI (Driving Under the Influence/Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. Insurance companies often view drivers with DUI/DWI convictions as high-risk, which typically results in increased insurance premiums. On average, insurance rates can go up by approximately 80% following a DUI/DWI conviction. Additionally, if a driver accumulates two or more DUI/DWI convictions, it becomes even more challenging to obtain car insurance, as many insurers may be reluctant to provide coverage to individuals with multiple offenses. Furthermore, a DUI/DWI conviction can lead to the suspension or revocation of a driver's license, which also negatively affects insurance rates and the ability to legally operate a vehicle. The exact increase in insurance rates and the insurance acquisition difficulties will vary depending on the specifics of the driver's record, the insurance company's policies, and other related factors.