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The Law Firm of Frederick J. Brynn, P.C.
DWI attorney MD

Driving while intoxicated (DWI) is a serious offense that carries not only legal consequences but also significant financial implications, particularly regarding insurance rates. At The Law Firm of Frederick J. Brynn, P.C., we often counsel our clients about the broader impact of a DWI conviction. As experienced MD DWI attorneys, we understand how these charges can affect your life, including your insurance premiums.

Understanding Insurance Rate Increases After A DWI

Once convicted of a DWI, you’re likely to see a substantial increase in your car insurance premiums. Insurance companies view DWI offenders as high-risk drivers, which in their eyes, justifies the hike in rates. The severity of the increase can vary based on the insurance provider, your driving history, and the specifics of your DWI case.

Duration Of Increased Rates

The length of time a DWI affects your insurance rates can vary, but it’s usually not a short-term issue. Most insurers will increase your rates for several years after a DWI conviction. Some states have specific timeframes, but in general, you can expect increased rates for at least three to five years.

SR-22 Insurance

In many cases, after a DWI conviction, drivers are required to file an SR-22 form – a certificate of financial responsibility that your insurance company sends to the state. This form proves that you carry the minimum required liability insurance. Filing an SR-22 typically results in higher insurance premiums because it classifies you as a high-risk driver.

Finding Insurance After A DWI

Getting car insurance after a DWI conviction can be challenging. Some insurance companies might refuse to cover high-risk drivers, while others specialize in high-risk policies but at a higher cost. It’s important to shop around and compare rates to find the best option for your situation.

Steps To Mitigate The Impact On Insurance Rates

While a DWI conviction will inevitably affect your insurance rates, there are steps you can take to mitigate its impact:

  • Attend a DWI Education or Treatment Program: Completing a court-approved program can sometimes positively influence insurers.
  • Maintain a Clean Driving Record Post-Conviction: Demonstrate responsible driving behavior to gradually lower your risk profile.
  • Explore All Insurance Options: Some insurers offer better rates for high-risk drivers than others.

The Role Of A DWI Attorney

Navigating the aftermath of a DWI conviction can be overwhelming, especially when dealing with increased insurance rates. This is where the expertise of a DWI attorney becomes invaluable. An experienced MD DWI attorney can provide legal advice, assist in minimizing the consequences of a DWI charge, and guide you through the legal complexities that follow a conviction.

At The Law Firm of Frederick J. Brynn, P.C., we are dedicated to supporting our clients through the challenges of a DWI conviction. We understand the stress and uncertainty that come with these charges and are committed to providing the legal representation and guidance needed to navigate these difficult times.

A DWI conviction carries significant consequences, including a substantial increase in car insurance rates. Understanding these implications and taking proactive steps can help mitigate some of the financial burdens. If you are facing a DWI charge, it’s crucial to seek the assistance of our knowledgeable MD DWI attorney to help minimize the impact on your life, including your insurance premiums. Remember, a DWI conviction is a serious matter, but with the right approach and legal support, its long-term effects can be managed.


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