If you own a car, you likely already feel like you're paying out the ass for auto insurance. You haven't seen anything yet. If you give auto insurance companies a reason to raise your rates, they will. A couple speeding tickets increases your rate, so you'd better believe that drunk drivers see a hefty rise in their premium. Many states report that driver's rates tend to double after their first DUI, and in some instances rates can triple. And no, they aren't exactly in a hurry to knock that rate back down; your average rate hike will stick with you for at least three years.