But even for those who manage to avoid getting into an accident, getting caught driving under the influence can have steep financial consequences. Recent research by CoverHound, a company that compares car insurance rates, revealed the economic costs of drunk driving. According to their findings, insurance premiums go up an average of 86 percent -- or $5,130 -- in the first year after a DUI. Most of the economic pain from a DUI hits in the first three years, but drivers can expect to pay more for insurance for seven years after a conviction.
That's assuming, of course, that they can still get coverage. "If you get a DUI, some carriers will drop you, and some will increase insurance premiums by 300 percent or even 400 percent," notes Basil Enan, founder and CEO of CoverHound. "Some carriers refuse to insure anyone who has been convicted of a DUI."
The effect of a DUI depends a lot on individual circumstances. The age of the driver, his or her prior driving record, and whether or not the DUI was a first offense all factor into the cost. Many insurance companies are more likely to work with younger drivers who have had a DUI, Enan says.
But even under the best of circumstances, getting caught driving drunk is sure to increase insurance rates. The only sure way to avoid that is to avoid taking a drink before getting behind the wheel. And, with new smartphone apps to test your sobriety or call you a cab, there's no reason to risk your wallet -- or your life.
Bruce Watson is a senior features writer for DailyFinance. You can reach him by e-mail at firstname.lastname@example.org, or follow him on Twitter at @bruce1971.