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 Oklahoma, a DUI/DWI conviction can have a substantial impact on a driver's 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%. 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 be reluctant to provide coverage, or they may only offer policies at significantly higher rates. Furthermore, Oklahoma law mandates a driver's license suspension or revocation for DUI/DWI offenses, which also contributes to higher insurance costs once the driver's license is reinstated. The duration of the suspension or revocation depends on the specifics of the offense and the driver's history of violations.