For drivers with a DUI or DWI offense in Minnesota, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Minnesota. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Minnesota.
In Minnesota, a DUI or DWI offense will on average have drivers paying $341 per month and $4,092 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 112% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
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.
All risky driving behavior can impact insurance rates. However, motorists with DUIs experience greater insurance premium increases than any other drivers. While a first, second, or third offense impacts rates a little differently, on average, DUIs increase rates by as much as 111 percent.
What does 111 percent look like in terms of actual insurance premiums? The average rate for a motorist with a history of a DUI in Minnesota is $340. That's $179 more a month than they would have paid previously.
|Average Percent Increase After DUI|
As you know, car insurance pricing is very personal. Your driving record is just one variable that makes your insurance premium different from your neighbor's. On average, motorists with a DUI in Minnesota can expect to pay $340 for their car insurance.
While where you live does influence rates, Minnesota ranks 32nd in most expensive car insurance after a DUI relative to the rest of the county. That puts it somewhere in the middle and means that there's ultimately more influencing your insurance pricing than just the state you live in.
|Most Expensive State for DUI (1-50)|
A DUI remains on your record in Minnesota long after you pay all your penalties. The length of time a DUI stays on your driving record is called a lookback period. In Minnesota, the lookback period is 10 years. First-offense DUI drivers who can keep a clean record for 10 years will see their offense drop off.
Not only does the lookback period determine how many DUI offenses are counted (first, second, third, etc.), lookback periods are critical because they affect the kind of penalties that drivers face. A second DUI offense has steeper penalties than a first offense. Note : In Minnesota, lookback language does not apply to felony DUIs.
Penalties for a DUI in Minnesota get increasingly steep with each offense. While a first offense will get you up to 90 days in jail, a fine of $1,000, and a suspended license for up to 90 days, third offenders lose a lot more. Motorists with their third DUI receive up to a year in jail, a $3,000 fine, license cancellation, and vehicle forfeiture.
There are also enhanced penalties if a child is in the vehicle or if you refuse to test, regardless of how many DUIs you may have. Motorists with three or more DUI offenses in 10 years are required to use an ignition interlock device for a period of three to six years.
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.