A new study has ranked the strictest and most lenient states for high-risk drivers.
Following up on its earlier study that ranked the strictest and most lenient states on DUI, WalletHub has conducted another study that assessed how tough states are on DUI, speeding and reckless driving, as well as the corresponding insurance cost increases that high-risk drivers can expect. To measure how strict a state is for high-risk drivers, WalletHub combined the results of the three reports to obtain a final ranking for each state.
For DUIs, states could score up to 35 points, while DUI prevention scores could go up to 20. For speeding enforcement, states could score up to 14 points and reckless driving penalties ranked up to 16 points. The average cost of insurance accounted for the average premium increase for the following scenarios: reckless driving conviction, two accidents in the past two years and driving with a suspended license. For costs increasing over 75 percent, 6 points were added, while increases between 60 and 74.99 percent were four points. Two points were added to a state’s total for 45 to 59.99 percent increases, and one point for 30 to 44.99 percent increases. Anything below 30 percent received 0 points.
With a total score of 65.25, Arizona is the strictest state on high-risk drivers. Arizona also ranked highest for DUI criminal penalties and second for DUI prevention and speeding enforcement ranks. The average cost of insurance increase came in at 48.78 percent, which was low enough to be ranked 44th overall.
The most lenient state is South Dakota, with an overall score of 17.75. It ranked 39 on DUI criminal penalties, 51 for DUI prevention and 38 for speeding enforcement. It was also 41 on reckless driving penalties and ranked 35 for average cost of insurance increase at 53.06 percent.
You can click on the interactive map below to see how your state ranked.