Your auto insurance rates probably aren’t at the top of your mind during a DUI arrest. But they certainly will be when you see just how much a conviction for driving under the influence in Oklahoma can increase your premium, or the amount you pay each year. It’s important to learn about all of the costs of a DUI—and that includes learning what happens to your car insurance after a DUI.
How Much Can a DUI Raise Your Insurance in Oklahoma?
According to The Zebra, an online company that compares insurance costs on behalf of consumers, a DUI will increase your annual car insurance premium by an average of $779. That’s an extra $65 per month and a 44% increase over what you’ll typically pay for insurance without a DUI.
With no DUI, auto insurance in Oklahoma costs an average of $1,787 per year. With a DUI on your record, that rises to $2,566. Combined with the other costs of a DUI, like fines, court costs, and fees for the Impaired Driving Accountability Program (IDAP) and your Alcohol and Drug Substance Abuse Courses (ADSAC), that can add up.
Can Your Insurer Drop You After a DUI?
Yes—while different states have different laws, in Oklahoma, an insurer can drop you if they find out you’ve been convicted of a DUI or if your license has been suspended for another reason. (They can also drop you if you don’t pay your premium or commit fraud. These are the only reasons they can cancel your policy in the middle of the term in Oklahoma.) If your insurer cancels your policy mid-term, they do have to give you 10 days notice.
The reasons for this are simple. Insurance companies are in the business of making money and satisfying shareholders. They do that by collecting premium payments from you and by limiting what they have to pay out in claims.
Accidents arising from DUIs cost insurance companies a fortune. If you get a DUI, your car insurance provider will calculate that there is a greater statistical chance that the insurance company will have to pay a big claim in the future. In order to compensate for that increased risk, you either get charged more in premiums or get dropped altogether.
How Long Does a DUI Affect Car Insurance in Oklahoma?
How long a DUI affects auto insurance rates in Oklahoma depends on the provider, but it’s typically at least 3 years and up to 5 years. Some providers will only look at the past 3 years of your driving record when calculating your premium, but under Oklahoma law, they can go back as far as 5 years for DUI offenses and reckless driving.
Car Insurance After a DUI: What to Do Now
Getting insurance with a DUI can be challenging. While your rates will likely go up, there are steps you can take to reduce the impact and move forward. Here’s what you need to know.
Hire an Attorney
The best way to avoid an increase in your car insurance after a DUI is to avoid a conviction. Hiring an experienced DUI attorney can help you fight the charge by reviewing your case, challenging evidence, or negotiating for reduced charges. An experienced lawyer may be able to help you plead to a lesser offense or even get the charges dismissed, which can save you money and protect your driving record.
Complete Driver Programs
If you are convicted of a DUI or plead guilty in order to get a deferred sentence or suspended sentence, completing the required courses shows that you’re addressing the issue and taking responsibility. It can also help your case in court by demonstrating your commitment to improving your driving habits. Adding a voluntary defensive driving or driver improvement program might also make you eligible for discounts.
Keep Your Driving Record Clean
Your driving record plays a big role in your insurance rates, so it’s important to avoid any more traffic violations after a DUI. Commit to safe driving, avoid speeding tickets, and stay away from situations that could lead to another DUI. The longer you maintain a clean record, the better your chances of lowering your premiums over time.
Shop Around for Insurance
Comparison shopping is key when you’re trying to find affordable car insurance after a DUI. Gather quotes from multiple providers, compare coverage options, and look for policies that balance cost and protection. According to The Zebra, the most affordable DUI car insurance providers in Oklahoma are State Farm, Progressive, and GEICO. If traditional insurers deny you coverage, consider "residual insurance" through the Oklahoma Automobile Insurance Plan, which provides coverage to drivers who are considered uninsurable in the regular market.
The Bottom Line
A DUI affects your car insurance, but you can take steps to limit the damage. Hiring an attorney, completing driver programs, and improving your driving habits can all make a big difference. If you need help with your DUI case, contact Tulsa DUI Guy today for a free evaluation and learn how we can support you.