Drunk-driving offenses can mar a driving record and jack up auto insurance costs by as much as 38%, according to an online insurance agency.

The average lowest rate quoted to drivers with a driving while intoxicated violation was $2,148 per year, which is $435 more than a driver with no violations, according to Cleveland-based Insurance. com’s 2009 RateWatch data.

Drivers charged with a DWI who also are responsible for an accident received an average car insurance rate of $2,356, paying $643 more than those without violations, according to the report.

The average quoted rate for drivers whose driving records showed no violations was $1,713. The average quote based on driving record for all drivers was $1,863.

The analysis is based on data collected from the insurance companies through which the agency obtains auto insurance quotes.