A DUI conviction can have many major repercussions for Oregon drivers, even if it is a first conviction. Along with the fines and other penalties, you may worry about the impact on your car insurance.
Prepare for increase costs
There reality is that a DUI conviction will likely have a major bearing on your car insurance. Although you may still be able to obtain car insurance, the cost may be substantially higher. It is estimated that the cost for full coverage car insurance in Oregon will increase by 71% after a DUI conviction, or more specifically, will increase from approximately $1,346 to $2,301.
The reasoning behind the increased cost is simple. A car insurance company views almost anything on your driving record as evidence that you are a high-risk driver. Even minor infractions, such as a speeding ticket, contribute to an increase cost of car insurance.
Most car insurance companies will classify you as a high-risk driver after a DUI conviction, reasoning that you have a higher chance of being involved in a future accident, increasing their cost of insuring you.
Although your current car insurance company may choose to keep insuring you at a higher premium, they may decide to drop you altogether even with just one DUI conviction. When shopping around for new car insurance coverage, other companies may deny you from the start as well after viewing a DUI conviction on your driving record.
Drivers with spotless records may find themselves facing a DUI charge after a simple night out for drinks that results in one bad decision. A DUI charge is something that should be taken very seriously, as the costs can be quite high. Looking for new car insurance or financial struggles due to the increased cost are just one negative consequence.
For these reasons, it is crucial to educate yourself on all your options after a DUI charge. There may be ways the charge can be challenged or disputed.