It's no secret that Utah has some of the strictest drunk driving laws in the United States.
The consequences of a DUI here include fines and the possibility of being carted off to jail. But what you might not consider is how a DUI can affect your insurance rates.
Once you get a DUI, insurance companies reconsider the rates that they initially offered you. Risky drivers tend to make more claims. Therefore, insurance companies protect themselves from financial loss by elevating your car insurance rates.
Though Utah isn't the most expensive state for car insurance after a DUI, the rate increases here still sting. DUI drivers pay $164 more per month in insurance than those with a clean record.
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.
It may be years before you really understand how much a DUI impacts your life. But you can anticipate higher car insurance rates right away. By how much and for how long? DUI drivers experience a 91 percent increase in car insurance rates in Utah. They pay $164.44 more than non-DUI drivers, at a monthly average of $344.44.
Rates generally stay elevated for three to five years, over which time you will have paid nearly $10,000 more to insure your ride. Keeping a clean driving record from here on out is optimal. After several good driving years, rates can decrease considerably.
|No Violation - Avg. Monthly Rate||After DUI - Avg. Monthly Rate||Average Percent Increase After DUI|
You'll likely want to shop around after your DUI to be sure you are paying the lowest rate possible. Though not every insurance carrier in Utah is willing to cover DUI drivers, there are multiple insurance options for you in this state, including Sun Coast General Insurance Agency, Inc., Travelers, and Freedom National.
|Carrier||Avg. Monthly Cost|
|Sun Coast General Insurance Agency, Inc.||$95|
|Metropolitan Property and Casualty Insurance Company||$192|
|American Family Insurance||$225|
Individual circumstances dictate how much someone will pay for car insurance. However, looking at averages gives us a very good idea of the range of rates you can expect both before and after a DUI. If you have a DUI in Utah, expect to pay an average of $344 for insurance. Averages also tell us that drivers without a DUI pay $164 less.
Utah ranks 30th for insurance costs after a DUI. This means that compared to the rest of the country, your insurance costs would be more in 29 other states.
|California After DUI Avg. Monthly Rate||Most Expensive State for DUI (1-50)|
In some states, DUIs are considered by the courts forever. In Utah, the lookback period is 10 years. This means that the courts recognize every impaired driving offense within 10 years for the purposes of handing down penalties and punishments.
For example, if you get pulled over a second time for a DUI in Utah and already have an offense on your record—and it's less than 10 years old—the court will hand down harsher penalties.
Utah has the nation's lowest drunken driving limit at .05 blood alcohol content (BAC). Going over this limit means subjecting yourself to fines, jail time, and loss of your driver's license, among other things.
If it's your first offense in Utah, you'll face up to six months in jail, up to $1,000 in fines, and 90 days without your license. You may also be required to use an ignition interlock device. Penalties increase with each subsequent DUI offense. They also increase if someone under 16 is in the vehicle at the time of your offense.