How Will Drunk Driving Conviction Affect My Auto Insurance Rates?
Reader’s Question:
My daughter is away at college and was recently arrested for underage drinking. She does not have a vehicle at school but her license has been suspended for 3 months. She is on my auto insurance and I would like to know this affect my insurance rates? I live in Lancaster, Pennsylvania.
Henry
Lancaster, PA
Even though your daughter is away at college, since she stays on your auto insurance it is likely that her underage drinking violation could affect your car insurance rates. An insurance carrier in Lancaster, Pennsylvania will normally take into account the driving histories of all household members, especially those listed as drivers on the insurance policy.
Since insurance carrier’s rating systems vary, to check for sure how your daughter’s violation of the law will affect your car insurance rates contact your insurance broker. Also your insurance carrier’s rating system should be filed with the Pennsylvania Insurance Department if you would rather contact them for this information.
How Much Does SR22 Or DUI Insurance Cost?
Filed under: SR22 Pennsylvania, SR22 Philadelphia, Teen insurance Pennsylvania
Q: I’m going to have to get an SR22 for DUI conviction…how much can I expect to pay?
A: According to MADD (Mothers Against Drunk Drivers) a whole lot. On average, the least amount you’re looking at paying for SR22 for DUI in one year is $3600, up to around $6000 dollars. Once you’ve picked your jaw up off the floor, there’s more where that came from. Car insurance isn’t the only cost of a DUI. Not only will your license be suspended for six months before you can even try to get it back, but you will have to pay a mountain of fees and fines. The average amount a first time DUI offender pays in all is close to $11,000. And that’s before insurance.
You also risk being unable to get insurance from many places if you have to file an SR22 for DUI conviction. Your current car insurance provider may cancel your policy and every other car insurance provider may say there’s no room at the inn for you. If that happens, you’ll have to get insured through the Pennsylvania assigned-risk pool, which is even more expensive.
Paying for an SR22 for DUI is no walk in the park, but it isn’t impossible either. If you look up car insurance discounts, compare rates, and keep your record clean, then you can save money and possibly look forward to cheaper car insurance rates in the future.
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