For drivers with a DUI or DWI offense in Oregon, 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 Oregon. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Oregon.
In Oregon, a DUI or DWI offense will on average have drivers paying $325 per month and $3,900 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 74% 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.
Oregon insurance companies raise their rates every time a policy owner's risk factor increases. DUI drivers are assigned high risk automatically and pay over 73 percent more for their car insurance after their conviction. Though a difference of $137 a month may not seem like a lot, it can add up quickly. Car insurance companies often make the driver pay this elevated rate for five years.
The average premium that Oregon DUI drivers can hope for is $324.72 per month. In five years, that amounts to an additional $8,220 they will have paid due to one driving mistake.
|Average Percent Increase After DUI|
DUI drivers would turn back the hands of time if they could, for many reasons. One is that insurance rates always climb after a DUI. What motorists can do going forward is shop multiple insurance companies for a more affordable rate than their current one.
How do you know if you have a reasonable rate? Drivers searching for rates after a DUI will find that their average premiums amount to $324.72. Though that's a 73 percent increase over the average rate for non-DUI drivers, it isn't as high as it could be. Insurance companies in other states charge hundreds more. For reference, Oregon ranks 38th in the list of states by insurance rates after a DUI.
|Most Expensive State for DUI (1-50)|
Penalties for DUIs are dependent on how many DUIs you already have and how long it's been between them. This length of time is called a lookback period. In Oregon, the lookback period for non-felony DUI offenses is 10 years. The state ignores any DUI offense that is not a felony and has been on your record for more than 10 years, in terms of sentencing subsequent DUIs.
If you have three DUIs within 10 years, that third DUI is considered a felony. Felony DUIs do not drop off of your record. The lookback period for felony DUIs in Oregon is a lifetime.
Jail, fines, community service, and license suspension are just some of the consequences DUI drivers in Oregon face. Spelling out how much and how long depends on just how many DUIs you have when convicted. While jail is a real consequence for first- and second-time offenders, they can commit to 80 hours of community service hours instead. Third-time offenders face up to five years in jail. Community service isn't an option.
Everyone with a DUI in Oregon faces license suspension. First- and second-time offenders lose their license for one and three years, respectively. Drivers with a third offense can lose their license forever.
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.