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 Rhode Island, 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 insurance premiums. On average, insurance rates can go up by approximately 80%, but the exact increase can vary based on the insurance company'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 even refuse to provide coverage to individuals with multiple offenses. Additionally, a DUI/DWI conviction usually leads to a driver's license suspension or revocation, which will be reported to the Rhode Island Division of Motor Vehicles (DMV). This information is accessible to insurance companies and can influence rates and coverage availability. Furthermore, any related accidents or traffic violations tied to the DUI/DWI can also contribute to higher insurance costs.