Drinking and driving is never a wise move. It's against the law and dangerous. All it takes is getting pulled over after you've been drinking, and you'll be charged with driving under the influence (DUI). Next thing you know, you're facing fines, legal fees, and possible jail time. Remember, if you're blood alcohol content (BAC) is .08 or higher, you're too intoxicated to drive in Maine.
Higher insurance rates are another consequence of a DUI. When an insurance company covers a driver, it assesses how much risk it's taking on and sets a price. The moment an insurer sees a DUI on your driving record, it's going to assume you're a high-risk policyholder and charge you a higher premium to offset that risk. Your rates will also continue to get higher if you get an additional DUI.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
No matter which way you turn, a DUI is going to have a negative impact on your life. It will appear on your driving record for years, if not forever. A DUI can also quickly drain your bank account between the fines and legal fees you'll have to pay. And, of course, you are going to face higher insurance rates.
The best way to keep your car insurance premiums low is to maintain a clean driving record. Drivers without a DUI in Maine pay an average of $90 less a month in car insurance premiums than those with a DUI conviction. Getting behind the wheel intoxicated could increase your car insurance costs almost 68 percent, to $223 a month. That price hike alone should make you think twice before driving after you have been drinking.
|No Violation - Avg. Monthly Rate||After DUI - Avg. Monthly Rate||Average Percent Increase After DUI|
All may seem lost after you're charged with a DUI, but you should still be able to find a company that will insure you and your vehicle. It just might cost more than before the violation. In Maine, Travelers ($86.06 a month) is one of the more affordable car insurance companies following a DUI.
|Carrier||Avg. Monthly Cost|
|American Family Insurance||$143|
Car insurance rates are based on a driver's individual circumstances. However, drivers in Maine with a DUI pay on average $233.35 a month for their insurance coverage. This makes Maine the 50th (out of 51, including Washington, D.C.) most expensive state for car insurance after getting a DUI.
It's best to compare rates from a few car insurance companies before making a decision. As you compare, look at factors besides price. You might find that you can save some money on your premium if an insurer offers a discount when you combine your car and home insurance policies.
|California After DUI Avg. Monthly Rate||Most Expensive State for DUI (1-50)|
A lookback period is how long a DUI remains on a driver's record. Maine has a 10-year lookback period for DUIs. This means that if you receive a second DUI within 10 years of the first one, you'll be considered a repeat offender and get a harsher penalty. A subsequent DUI after that 10-year lookback period would be considered a first offense. Car insurance companies don't often look as far back for a DUI, however, typically only three to five years.
You should always strive to have a clean driving record, but especially after you've been charged with a DUI. That initial offense will increase your car insurance rates in Maine enough. Don't compound that increase with additional DUIs or other traffic violations. You might also see your insurance premium go down over time if you consistently make good decisions on the road.
First-time DUI offenders in Maine face a 150-day driver's license suspension and a $500 fine. If the violation includes any aggravating factors (BAC of .15 more more, traveling 30 miles per hour or more over the speed limit, trying to evade a police officer, or having a passenger under the age of 21), at least 48 hours of jail time will be added to the other penalties. Additionally a 275-day license suspension is enacted if the offender has a passenger under the age of 21.
Maine has a zero-tolerance law for DUI offenders under the age of 21. Underage drivers found to have any measurable amount of alcohol in their body will lose their license for one year. If the offender refuses a test, the suspension will be extended to at least 18 months. If the driver has a passenger under 21, an additional 180-day suspension will be imposed.