For 16-Year-Olds Convicted of DUI, Car Insurance Premiums Spike Nearly $4,000, or 48%
Insurance rates are already much higher than average for 16-year-olds with clean driving records. One DUI adds $3,968 a year, on average, to the cost of insuring a 16-year-old driver — raising rates to $12,175 on average across the 50 states and the District of Columbia. The penalties given by insurers to 16-year-olds with one DUI are 44% greater than those imposed on 20-year-olds.
Although 16-year-olds face the highest gross increase to the cost of car insurance after a DUI, the increase to their cost of coverage after being convicted of a DUI is proportionally lower than that of other underage drivers. Car insurance rates for 18-year-olds go up by 50% on average after a DUI, while insurers charge 20-year-olds 58% more on average after one conviction.
Sixteen-year-olds pay 191% more for car insurance than a typical 30-year-old does after a DUI. However, older drivers are even more adversely affected by higher car insurance rates after a DUI, as their new charges represent a greater share of their previous premium. The cost of coverage for 30-year-olds increases by an average of 76% after a conviction.
Thirty-year-olds face higher proportional surcharges after a DUI than underage drivers do collectively. Premiums after a conviction increase by an average of 51% for drivers ages 16, 18 and 20. While the total increase amounts to an average difference in premiums of $5,665 for underage drivers compared to 30-year-old drivers, the surcharge that underage violators face is only $1,519 more a year than that of their older counterparts.
| 16 | $8,207 | $12,175 | $3,968 | 48% |
| 18 | $6,595 | $9,863 | $3,268 | 50% |
| 20 | $4,739 | $7,487 | $2,748 | 58% |
| Underage | $6,514 | $9,842 | $3,328 | 51% |
| 30 | $2,368 | $4,177 | $1,809 | 76% |
{“backgroundColor”:”white”,”content”:”u003C/pu003Ennu003Cpu003EInsurance rates are already much higher than average for 16-year-olds with clean driving records. One DUI adds $3,968 a year, on average, to the cost of insuring a 16-year-old driver u2014 raising rates to $12,175 on average across the 50 states and the District of Columbia. The penalties given by insurers to 16-year-olds with one DUI are 44% greater than those imposed on 20-year-olds.u003C/pu003Ennu003Cpu003Eu003Cdiv class=”ShortcodeImageResponsive–root”u003En u003Cfigure class=”ShortcodeImage–root”u003En u003Cpicture class=”ShortcodeImage–picture”u003En u003Csourcen media=”(max-width: 1032.75px)”n data-srcset=”https://ift.tt/3eaZDQ9 1x, https://ift.tt/3ka1Oai 2x”n/u003En u003Cimg class=”lazyload” data-src=”https://ift.tt/3r7xtdS; src=”https://ift.tt/3k9Py9Z; data-srcset=”https://ift.tt/3yNzG0Q 1x, https://ift.tt/3eerAXd 2x”u003En u003C/pictureu003En u003C/figureu003Enu003C/divu003Enu003C/pu003Ennu003Cpu003EAlthough 16-year-olds face the highest gross increase to the cost of car insurance after a DUI, the increase to their cost of coverage after being convicted of a DUI is proportionally lower than that of other underage drivers. Car insurance rates for 18-year-olds go up by u003Cstrongu003E50%u003C/strongu003E on average after a DUI, while insurers charge 20-year-olds u003Cstrongu003E58%u003C/strongu003E more on average after one conviction.u003C/pu003Ennu003Cpu003ESixteen-year-olds pay 191% more for car insurance than a typical 30-year-old does after a DUI. However, older drivers are even more adversely affected by higher car insurance rates after a DUI, as their new charges represent a greater share of their previous premium. The cost of coverage for 30-year-olds increases by an average of 76% after a conviction.u003C/pu003Ennu003Cpu003EThirty-year-olds face higher proportional surcharges after a DUI than underage drivers do collectively. Premiums after a conviction increase by an average of 51% for drivers ages 16, 18 and 20. While the total increase amounts to an average difference in premiums of $5,665 for underage drivers compared to 30-year-old drivers, the surcharge that underage violators face is only $1,519 more a year than that of their older counterparts.u003C/pu003Ennu003Cpu003Eu003Cdiv class=”ReactComponent–root”u003En u003Cdiv class=”js-react-component-rendered js-react-component-SortableTable” data-component-name=”SortableTable”u003En u003Cdiv class=”StyledRootWrapper-sc-3qeib4 jYHfZo”u003Eu003Cdiv class=”StyledTableWrapper-sc-5nmmx9 fesmOM”u003Eu003Cdiv class=”StyledTableOverflowWrapper-sc-hixhp9 gVbnK”u003Eu003Ctable class=”StyledTable-sc-ujzn9t jVpJxq”u003Eu003Cthead class=”StyledHeaderRow-sc-1m1b8dn cBFLrt”u003Eu003Ctru003Eu003Cth width=”” colSpan=”1″ class=”StyledHeaderCell-sc-nsptsd gkalnJ”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA”u003Eu003Cspanu003EAgeu003C/spanu003Eu003C/divu003Eu003C/thu003Eu003Cth width=”” colSpan=”1″ class=”StyledHeaderCell-sc-nsptsd gkalnJ”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r glLrYA”u003Eu003Cspanu003EBefore DUIu003C/spanu003Eu003C/divu003Eu003C/thu003Eu003Cth width=”” colSpan=”1″ class=”StyledHeaderCell-sc-nsptsd gkalnJ”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r glLrYA”u003Eu003Cspanu003EAfter DUIu003C/spanu003Eu003C/divu003Eu003C/thu003Eu003Cth width=”” colSpan=”1″ class=”StyledHeaderCell-sc-nsptsd gkalnJ”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r glLrYA”u003Eu003Cspanu003EDifferenceu003C/spanu003Eu003C/divu003Eu003C/thu003Eu003Cth width=”” colSpan=”1″ class=”StyledHeaderCell-sc-nsptsd gkalnJ”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r glLrYA”u003Eu003Cspanu003EIncreaseu003C/spanu003Eu003C/divu003Eu003C/thu003Eu003C/tru003Eu003C/theadu003Eu003Ctbody class=”StyledBody-sc-14y8oc0 dcdMVT”u003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E16u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$8,207u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$12,175u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$3,968u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E48%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E18u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$6,595u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$9,863u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$3,268u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E50%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E20u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$4,739u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$7,487u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$2,748u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E58%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003EUnderageu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$6,514u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$9,842u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$3,328u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee 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