A host of factors that are outside a policyholder's control can increase the cost of personal auto insurance, but avoiding speeding tickets, accidents, and alcohol- and drug-related offenses are avoidable ways to prevent auto premiums from spiking.

Among the most costly infraction, getting a DUI can cause auto insurance rates to increase 60% or more, depending on the insurance company, according to QuoteWizard. For example, a USAA policyholder can expect their rates to increase around 67% following a DUI, while those with an auto policy from Travelers could see their rates grow by more than 300%.

For the unfortunate souls seeking auto insurance post-DUI, QuiteWizard found the most forgiveness is granted by USAA, which offers drivers with a DUI the cheapest monthly rate ($300). Offering the second cheapest rates for those with a DUI is State Farm, with an average monthly rate of $313.

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Steve Hallo

Steve Hallo is managing editor of PropertyCasualty360.com. He can be reached at [email protected]