Massachusetts Fines and Limits Permit Complete Practice Test 2026

Driving under the influence can have a significant negative impact on your insurance premiums. When an individual is convicted of DUI (Driving Under the Influence), insurance companies typically view this as a major risk factor. As a result, the driver may be deemed less insurable or more expensive to insure, leading to a substantial increase in premiums. This increase reflects the higher likelihood of accidents and claims associated with impaired driving.

Furthermore, many states require the reporting of DUI offenses to insurance companies, which can prompt them to reassess the driver’s risk profile. Insurers may classify the driver in a higher risk category, resulting in elevated rates that can persist for several years, affecting the overall cost of insurance and financial responsibility of the driver.

The other options suggest scenarios that are unlikely to occur following a DUI conviction. A decrease in premiums or no effect on them is not reflective of industry practices, as they fail to acknowledge the associated risks and regulatory standards that insurance companies typically uphold in response to DUIs.