What are the implications of a DWI conviction on insurance rates?

A DWI conviction has serious implications for insurance rates, primarily resulting in significant increases in premiums or the potential cancellation of the policy. Insurance companies view a DWI as a major risk factor, which leads them to adjust premiums accordingly. When a driver is convicted of driving while intoxicated, they are likely to be classified as a high-risk driver. This classification typically leads to steep increases in insurance costs, as insurers account for the increased likelihood of accidents associated with impaired driving. In some cases, insurance providers may choose to cancel the policy altogether, forcing the individual to seek coverage from companies that specialize in high-risk insurances, which usually come with even higher premiums. The impact is immediate and can last for several years, often remaining on driving records for a lengthy period.