By Steve Hallo
A host of factors that are outside a policyholder’s control can increase the cost of personal auto insurance, but avoiding speeding tickets, accidents, and alcohol- and drug-related offenses are avoidable ways to prevent auto premiums from spiking.
Among the most costly infraction, getting a DUI can cause auto insurance rates to increase 60% or more, depending on the insurance company, according to QuoteWizard. For example, a USAA policyholder can expect their rates to increase around 67% following a DUI, while those with an auto policy from Travelers could see their rates grow by more than 300%.
For the unfortunate souls seeking auto insurance post-DUI, QuiteWizard found the most forgiveness is granted by USAA, which offers drivers with a DUI the cheapest monthly rate ($300). Offering the second cheapest rates for those with a DUI is State Farm, with an average monthly rate of $313.
Not all carriers are so forgiving though. Travelers increases rates by as much as 324% following a DUI, according to QuoteWizard, which reported the average monthly premium was $764 after a drunk driving infraction.
On average, an at-fault accident increases auto insurance rates by 45% or more. The above slideshow reveals more details on how much an at-fault accident can raise auto insurance premiums with specific auto insurance companies, according to QuoteWizard. The rate quotes were generated for a 35-year-old male who drives a 2012 Honda Accord LX around 13,500 miles annually.
Related:
- Personal auto premiums to jump another 7% in 2023
- States with the biggest auto insurance rate changes
- Auto insurance in 2023: 3 predictions, 3 ways to respond
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Steve Hallo
Steve Hallo is managing editor of PropertyCasualty360.com. He can be reached at shallo@alm.com.
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