Some of us just won't fade away. (ravenshrinkery) wrote in little_details,
Some of us just won't fade away.

Insurance Rates after DWI

I am trying to put together a character whose luck has gone down, through no small amount of fault on his own. His final straw after breaking up with a partner he cheated on was getting sloshed and driving into a telephone pole. He was far, far over the limit at the time (I'm using .26 as a reference, as such high BAC is commonly an aggravating factor). He was released into police custody once sober enough to be booked, charged, and convicted with a first offense (no other criminal history). For my sake of argument, I'm assuming he's getting a year's revocation on his license along with community service and three years probation. He is 23 at the time of the crash (and single).

Six months in I intend for him to be able to get a conditional license (the sort that lets you go to work, school, medical and legal appointment, run errands once a week, but that's all). What sorts of insurance rates can he expect to pay at this point, and at points after this (a year when he gets his full license back and three years after when his probation expires, as well as how long this will take to clear off his record). He is driving a later model Toyota truck and nobody shares his insurance.

Story is set in rural upstate New York at present day, however I can be flexible on this for the right details (I may adjust numbers for as much as 10 years back in my story). Insurance is handled quite differently here than in most states (mainly that all drivers have in effect an electronic SR-22, and we pay for the service). No small part of his difficulty is being rural and not having ready access to transportation. I realize there's no way to be comprehensively accurate because many many more details would be needed, but I'm trying to get some ballpark idea.

Searches tried: and Google for various forms of the subject line (auto insurance rates after DWI being the common variant), and checked community history. Insurance websites won't give me this information without putting in personal details that fortunately don't apply to me!
Tags: usa (misc), ~insurance

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