- Does a DUI raise car insurance rates in Rhode Island?
- How much does a DUI raise your insurance in Rhode Island?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Rhode Island?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Rhode Island
- Rhode Island DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Rhode Island DUI insurance: Frequently asked questions
- Compare Rhode Island DUI car insurance rates with other states
Does a DUI raise car insurance rates in Rhode Island?
With a clean driving history, car insurance in Rhode Island averages $2,061. After a DUI, the rate increases to $4,416, which is $2,355 more.
Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple DUIs, average rates escalate drastically to $6,369.
How much does a DUI raise your insurance in Rhode Island?
The cheapest insurer after a DUI is Progressive, with average premiums of $2,280. The next most affordable option is American Family, where rates are $528 higher than those of Progressive. Travelers offers the third-lowest car insurance rates for drivers with a DUI.
Driving under the influence is both dangerous and expensive. You'll face substantial fines and increased car insurance rates for many years. Because each insurer handles a DUI differently and sets its own pricing, comparing quotes from several companies is essential.
The table below lists theaverage car insurance rates after a DUI in Rhode Island.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| Progressive | $1,841 | $2,280 | $3,231 |
| American Family | $1,833 | $2,808 | $3,895 |
| Travelers | $1,946 | $3,181 | $4,949 |
| Nationwide | $1,911 | $3,679 | $5,096 |
| Allstate | $2,993 | $4,475 | $6,712 |
| Farmers | $3,336 | $5,705 | $7,272 |
| GEICO | $2,292 | $7,839 | $11,291 |
| Amica | $2,206 | $9,037 | $14,042 |
| USAA | $1,147 | $2,101 | $2,716 |
PEOPLE ASK:
What happens when you get a DUI in Rhode Island?
If you're convicted of a DUI in Rhode Island, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for 10 years.
If someone gets a DUI in your car, does it go on your insurance?
Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.
However, your rates may increase if your vehicle is involved in an accident due to a DUI. Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.
How long does a DUI affect your insurance in Rhode Island?
Although a DUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DUI influences car insurance in Rhode Island and stays on your record for 10 years. Your premiums should start to go down after several years of maintaining a clean driving record with no additional violations.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DUI is $8,096.
Here are the most affordable insurers after a DUI by age:
- For teens: Nationwide offers the lowest rate at $8,096.
- For young adults: Progressive provides the cheapest coverage for young adults at $2,726.
- For adults: Progressive is the most affordable option, with an average rate of $2,280.
- For seniors: Progressive offers the lowest average rate at $2,481.
This table illustrates how a DUI impacts car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Nationwide | $6,454 | $8,096 | $1,642 | 25% |
| American Family | $5,414 | $8,539 | $3,125 | 58% |
| Progressive | $8,659 | $8,941 | $282 | 3% |
| Allstate | $8,046 | $9,657 | $1,611 | 20% |
| Travelers | $10,172 | $13,301 | $3,129 | 31% |
| Farmers | $11,355 | $17,691 | $6,336 | 56% |
| Amica | $9,501 | $21,200 | $11,699 | 123% |
| GEICO | $7,311 | $22,190 | $14,879 | 204% |
| Nationwide | $6,454 | $8,096 | $1,642 | 25% |
| American Family | $5,414 | $8,539 | $3,125 | 58% |
| Progressive | $8,659 | $8,941 | $282 | 3% |
| Allstate | $8,046 | $9,657 | $1,611 | 20% |
| Travelers | $10,172 | $13,301 | $3,129 | 31% |
| Farmers | $11,355 | $17,691 | $6,336 | 56% |
| Amica | $9,501 | $21,200 | $11,699 | 123% |
| GEICO | $7,311 | $22,190 | $14,879 | 204% |
| USAA | $5,054 | $12,120 | $7,066 | 140% |
| USAA | $5,054 | $12,120 | $7,066 | 140% |
How much does a DUI raise your insurance in your city?
The least expensive city in Rhode Island for car insurance after a DUI is Newport, while the costliest city is Central Falls, with an average rate of $5,619. Your location influences your insurance costs, even without a DUI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A DUI then raises those already elevated rates even more.
This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Bristol | $1,825 | $3,948 | $2,123 | 116% |
| Central Falls | $2,538 | $5,619 | $3,081 | 121% |
| East Providence | $2,262 | $4,766 | $2,504 | 111% |
| Hope | $2,152 | $4,679 | $2,527 | 117% |
| Newport | $1,655 | $3,532 | $1,877 | 113% |
| Pawtucket | $2,452 | $5,243 | $2,791 | 114% |
| Providence | $2,495 | $5,127 | $2,632 | 105% |
| Shannock | $1,840 | $3,928 | $2,088 | 113% |
| Warwick | $2,121 | $4,589 | $2,468 | 116% |
| Woonsocket | $2,077 | $4,489 | $2,412 | 116% |
| Bristol | $1,825 | $3,948 | $2,123 | 116% |
| Central Falls | $2,538 | $5,619 | $3,081 | 121% |
| East Providence | $2,262 | $4,766 | $2,504 | 111% |
| Hope | $2,152 | $4,679 | $2,527 | 117% |
| Newport | $1,655 | $3,532 | $1,877 | 113% |
| Pawtucket | $2,452 | $5,243 | $2,791 | 114% |
| Providence | $2,495 | $5,127 | $2,632 | 105% |
| Shannock | $1,840 | $3,928 | $2,088 | 113% |
| Warwick | $2,121 | $4,589 | $2,468 | 116% |
| Woonsocket | $2,077 | $4,489 | $2,412 | 116% |
How to get car insurance after a DUI in Rhode Island
Insurers will consider you a high-risk driver after a DUI, but you can still get car insurance. Finding the right coverage after a DUI conviction may take some extra effort.
If you already have car insurance and receive a DUI, your insurer will likely keep your policy active. However, your premiums will rise when it's time to renew.
If you need car insurance after a DUI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Rhode Island since each insurer offers different rates after a DUI.
Rhode Island DUI insurance requirements and penalties
A DUI in Rhode Island means you must meet specific high-risk driver requirements.
A DUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.
The table below highlights Rhode Island DUI laws and the penalties for both first-time and repeat offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.1 and 0.15 | 30-180 days | None | Mandatory for all convictions | Yes | No |
| 0.1 and 0.15 | 30-180 days | None | Mandatory for all convictions | Yes | No |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI impacts car insurance rates for at least three years, although the exact duration depends on the state. In some places, such as California, a DUI can influence your rates for up to 10 years.
Drivers in Rhode Island can expect elevated car insurance rates after a DUI and expect it to stay on their record for 10 years.
Tips to save money after a DUI
A DUI can cost you thousands of dollars in fines, fees and increased insurance premiums. Fortunately, there are still ways to lower your rates afterward.
Rhode Island drivers can cut car insurance expenses after a DUI by:
- Raising their deductible to reduce monthly premiums
- Looking for discounts, such as multi-policy savings or safety feature discounts
- Keeping a clean driving record going forward
- Completing a defensive driving course
- Improving their credit score
- Comparing quotes from multiple insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Rhode Island DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.
Will my insurance drop me after a DUI in Rhode Island?
Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.
