Will a minor in possession of alcohol affect auto insurance rates?
This will depend on whether the minor was driving a car. A minor
in possession of alcohol offense, albeit illegal, in itself does
not affect auto insurance rates. If the minor was driving a vehicle
and had an open container of any alcoholic beverages, then this is
a separate offense of violating the open container law in that
jurisdiction: all states and counties have that type of law. It too
does not have an impact on auto insurance rates, per se. But, if
the minor was drinking alcohol while driving and is intoxicated
because of such, then we have the more serious offense of driving
under the influence of alcoholic beverages. Of course, this will
have a significant impact on auto insurance rates, especially for
the underaged drinker when he gets his own car insurance. However,
it will not have affect on the auto insurance of another person if
he agrees to take off the underaged drinker of the list of drivers
of his vehicle.