According to statisicbrain.com 1,500,000 drivers are arrested annually for drunk driving, and the consequences of that arrest, can be rather dire for that driver, depending upon the laws within that State, as each State has its own protocol in regards to DUI offenses. So too, each State has its own car insurance which all drivers are mandated to have, with the sole exception being New Hampshire. When a given person procures car insurance, they are able to select the coverage that they do or don't want or do or don't need, subject to State sanctioned minimum coverage, in which, presently, no State of the Union, offers something akin to DUI insurance, but they should.
In the procurement of insurance, most people purchase insurance, hoping to never utilize it, but grateful to have it, when they do end up using it for their home or car or personal injury. The fact that so many people are arrested for a DUI in a given year, would imply strongly, that having some sort of insurance to help mitigate that DUI arrest in the sense of being able to secure the car so that it will not be impounded, nor be subject to exorbitant fees if so impounded, or to get the car off of the street in a timely manner, so that it will not be damaged or be the cause of a vehicle accident, or to secure a person's personal effects, such as house keys, cell phone, and various other items, so that, those having to spend mandatory time behind bars for a DUI offense, know that their personal effects are not being held by the police, but are being secured by an independent 3rd party all have their benefits.
The very first thing that would be necessary about DUI insurance, is the fact that when a consumer opts in, this would not reflect that they are going to be now insured at a higher insurance rate than they would have been for the same auto coverage, if they had not picked the elective DUI coverage as an add-on. In other words, the auto insurance company will not be permitted to make a judgment that a person electing for DUI coverage is somehow a more dangerous driver, instead it will be mandated by the appropriate State insurance agency regulation administration, that DUI insurance is a separate elective insurance and therefore separately priced.
In regards to auto insurance companies, they are in the business of pricing insurance so that they are able to make money, so that, having a new elective service for DUI insurance, which, depending upon the rules for DUI arrests within a given State, would cover things such as transportation of the driver, resolution of the vehicle, transportation of the passengers, keeping of personal effects, and so on and so forth, would be dovetailed to meet that State's specific DUI constraints and sold as such to consumers.
The value of such DUI insurance for the consumer would be the value of reducing their expenditures for things no longer in their control, for having been arrested for that DUI, so that, extra fees, impoundment, and penalties, would be mitigated by a third party insurance company taking care of this, on behalf of the insured. Depending upon the price of this add-on insurance, and how heavily it is advertised, people will pay for it, especially when they see the potential benefits of having such, should they ever be arrested for a DUI, as 1,500,000 are yearly.