The states with the harshest and most lenient penalties for underage drivers with a DUI

From Value Penguin, July, 2021 (excerpt)

DUIs are the costliest in Hawaii. The cost to insure underage and 30-year-old drivers increases by 214% on average after just one violation. Hawaii is the only state where the cost of underage insurance coverage after a DUI increases by at least 200%, but there are three other states where the average surcharge totals more than 100%: North Carolina, Michigan and California. Rate hikes for underage drivers with DUIs in these four states average 164%.

Hawaii's insurers levy the most expensive penalties for DUIs on average, but North Carolina is expensive for 20-year-olds. Increases in North Carolina after a DUI amount to 256% of 20-year-olds' average premiums.

The most lenient states for underage drivers with a DUI are Nebraska, Maryland, Alaska, Florida and Ohio. In these states, rates only go up by one quarter after a conviction. Moreover, all three of researchers' sample underage drivers were likely to find the cheapest rates in Alaska, but it’s a different story for 30-year-olds.

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