A Georgia drunk driving conviction leads to a series of serious penalties. Some of these penalties are criminal in nature and might include fines and possible jail time, among others. Other repercussions associated with a conviction for driving under the influence are financial in nature.
According to Insure.com, drivers in every state see their auto insurance rates increase in the wake of a conviction for drunk driving. Nationally, motorists watch their annual insurance premiums increase from anywhere between about 28% to 371%. How much might your auto insurance increase after a first-time Georgia DUI?
A sharp increase
The average Georgia motorist with one DUI conviction sees his or her insurance premiums increase by about 78%. The actual numbers are going to fluctuate from one year to the next based on many factors. However, you may be able to get an idea of how much of a financial toll this might take.
Say you paid $1,815 a year for full coverage auto insurance, which is a reasonable estimate. After a 78% increase, you are looking at paying $3,226 per year to insure yourself behind the wheel, which amounts to a yearly difference of $1,411.
An argument for shopping around
Different insurance providers use different formulas to determine how much your policy should cost you. In some instances, your existing provider may drop you after a DUI or agree to cover you, but only at a sky-high rate. In this scenario, it may serve you well to get quotes from two, three or even more insurance companies to see which one makes you the most manageable offer.
Keep in mind that a DUI remains on your record for years, meaning it impacts your insurance rates for the same span.