Driving under the influence (DUI), also referred to as Operating While Intoxicated (OWI) in Indiana, comes with severe legal and financial repercussions. Beyond legal penalties, a DUI conviction can have a lasting impact on your auto insurance rates, often resulting in higher premiums and stricter policy requirements.
DUI Regulations in Indiana
Under Indiana Code 9-30-5-1, it is illegal to operate a motor vehicle with:
- A blood alcohol concentration (BAC) of 0.08% or higher but less than 0.15% (Class C misdemeanor).
- A BAC of 0.15% or higher (Class A misdemeanor).
- Any presence of a Schedule I or II controlled substance in the driver’s system (Class C misdemeanor), unless prescribed by a licensed practitioner.
DUI Penalties in Indianapolis
The penalties for an OWI conviction vary based on the severity of the offense and whether it is a first-time or repeat violation. Consequences may include:
- Jail time and fines.
- License suspension (typically 180 days for a first offense).
- Mandatory installation of an ignition interlock device.
- Increased auto insurance premiums.
Impact on Auto Insurance Rates in Indiana
One of the most significant financial consequences of a DUI is the effect on your car insurance. Here’s what you need to know:
Increased Premiums
After a DUI conviction, Indiana drivers can expect their annual insurance costs to rise by 35%-50%, or an additional $400 per year on average. For context, the average annual insurance cost in Indiana without a DUI is around $1,057, which increases to about $1,450 after a conviction. The exact rate increase depends on factors like your driving record, BAC level, and the insurance provider’s policies.
SR-22 Insurance Requirement
In many cases, Indiana drivers convicted of an OWI will need to file an SR-22. This document, submitted by your insurance company, verifies that you meet the state’s minimum liability insurance requirements. While it’s not a separate type of insurance, the need for SR-22 filing often leads to higher premiums and administrative fees.
Risk of Policy Cancellation after a DUI
Insurance companies may choose not to renew or cancel policies for drivers with a DUI conviction. If this happens, finding new coverage can be both challenging and expensive. Many providers view drivers with multiple DUIs as high-risk clients, and some may refuse to insure them altogether.
Duration of Impact
A DUI typically affects car insurance rates for at least three years, though some insurers may consider such violations for up to five years or more. The duration of increased premiums depends on the insurance provider’s look-back period. Even after rates decrease, the conviction may remain on your driving record for a longer time.
What Can You Do?
If you’re facing a DUI charge, it’s crucial to take proactive steps:
- Compare Insurance Rates: Shopping around can help you find more affordable options after a DUI conviction.
- Seek Legal Advice: Consulting with an experienced DUI attorney in Indianapolis can help you navigate the legal consequences and minimize the impact on your life.
Contact Hayes Law Office
If you’re dealing with the aftermath of a DUI or OWI charge in Indiana, Hayes Law Office is here to help. We’ve assisted clients across Indianapolis and the state in fighting DUI charges and understanding their options. Contact us today to discuss your case and explore your legal options.
