While some driving mistakes are more severe than others, a DUI conviction is something most drivers wish they could forget. Though there are things we can do to make amends on our driving records and to others, increased car insurance rates can haunt us. Though we won't be shelling out more money forever, we are often stuck with the consequences of our mistakes for years at a time.
If convicted of a DUI in Maryland, you'll undoubtedly face steeper insurance premiums. Hopefully, limited financial consequences are all you'll have to deal with due to this mistake. And if you keep your driving record clean, you can redeem yourself after three to five years as far as the insurance company is concerned.
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.
Though you agreed to a specific rate when you established your policy, the amount you pay in premiums can climb due to your mistakes. Insurance companies charge high-risk drivers (like those with DUIs) increased amounts to make up for these losses and remain profitable.
Premiums for drivers with DUIs on their record average out to $442 per month. Compare notes with those who don't have a DUI, and you'll find that they pay $149 less than that. What's a good incentive for not getting behind the wheel while intoxicated? Your insurance could end up costing you 51 percent more!
|No Violation - Avg. Monthly Rate||After DUI - Avg. Monthly Rate||Average Percent Increase After DUI|
If you get a DUI, you can count on your insurance rates increasing. There's never been a better time to shop around for something more affordable. At this critical moment in your life, the cheapest car insurance companies include Travelers, Liberty Mutual, and Metropolitan Casualty and Property Insurance.
|Carrier||Avg. Monthly Cost|
|Metropolitan Property and Casualty Insurance Company||$254|
|American Family Insurance||$378|
Need some insurance advice? Always shop around for better rates when you experience a significant life change. A DUI definitely falls within this category. Because monthly increases can send you reeling, knowing what you probably should be paying now can help. First, know that Maryland ranks as the 15th most expensive state for insurance after a DUI. But you aren't alone. A lot of people are paying for this same mistake. You'll find that average rates for those convicted of this offense are $442.
|California After DUI Avg. Monthly Rate||Most Expensive State for DUI (1-50)|
Unfortunately, many people who have a DUI don't learn their lesson the first time and repeat the offense. A driver may have a first, second, and even third offense on their record. But how far back does a state look at DUI offenses to determine a penalty? In Maryland, the lookback period for DUI offenses is five years.
This means that if there are any other DUI offenses within five years of a new DUI offense, the previous offenses will count. Keep a clean record for five years in Maryland, and the DUI offense will no longer be considered as far as your driving record is concerned. Motorists who are first-time offenders and those with DUI offenses that are over 10 years old can ask for a probation before judgment (PBJ) to avoid adding a first offense to their criminal record.
As in most states, DUI-convicted drivers in Maryland face both criminal and administrative (having to do with their driver's license) consequences. Criminally, first offenders face up to a $1,000 fine and one year in jail. Those convicted of a DUI a second time face a $2,000 fine and up to two years in jail (with a mandatory minimum of five days).
Additionally, 12 points are assessed on your Maryland driving record for each DUI conviction. First offenders can lose their license for up to six months, while those with a second conviction can lose their license for up to one year. Finally, anyone convicted of a DUI must enroll in Maryland's Ignition Interlock Program.