California drivers face the second-steepest increase in car insurance premiums nationwide after a driving under the influence (DUI) conviction, according to a new study by LendingTree. The annual cost for these drivers can soar by 136%, with average yearly premiums jumping from approximately $2,600 to $6,135.
While North Carolina experiences a higher percentage increase at 284.1%, California drivers bear the largest financial burden in terms of dollar amount. Their annual insurance costs rise by an average of $3,535, which is about $100 more than the increase seen in North Carolina.
Nationally, drivers typically see a 74.5% increase in their auto insurance rates after a DUI, pushing average annual premiums from about $2,130 to nearly $4,000. This national average equates to an additional $135 per month, totaling close to $5,000 over a three-year period.
Rob Bhatt, a LendingTree auto insurance expert, explained that the significant rate hikes are due to the increased likelihood of drivers with prior DUI convictions being involved in future accidents. Insurance companies factor in these potential claim costs when setting rates for drivers with DUIs.
The financial impact of a DUI conviction on insurance premiums also varies by age. Younger drivers, such as 20-year-olds, can expect an annual increase of around $2,532. Older drivers, specifically 80-year-olds, might see an average increase of $2,211. However, drivers over 60 experience the largest percentage jump, averaging 101.1%.
These premium increases do not account for other associated costs, such as court fees, attorney expenses, and potential lost wages.
LendingTree suggests several strategies for individuals who have received a DUI to manage the long-term financial consequences, including enrolling in diversion programs, shopping around for different insurance providers, and utilizing public transportation options.
In California, as in most states, driving with a blood alcohol concentration (BAC) of .08 or higher is illegal.