If you’ve been charged with a DUI (Driving Under the Influence) in California, you’re likely facing a whirlwind of legal, financial, and personal consequences. One of the most significant and long-lasting impacts of a DUI conviction is how it affects your car insurance after DUI. At CF&P Insurance, we believe in helping our clients understand the real-world implications of these situations so you can make informed decisions and get back on the road safely and affordably.
A DUI conviction is a red flag for insurance companies. It signals risky behavior and a higher likelihood of future claims. As a result, your car insurance after DUI will almost certainly become more expensive. Here’s what you can expect:
After a DUI, your insurance premiums can increase dramatically—sometimes doubling or even tripling. According to industry data, California drivers with a DUI can expect their rates to rise by 50% to 150% or more, depending on their insurer and driving history.
Some insurance companies may choose to cancel your policy or decline to renew it after a DUI conviction. This means you’ll need to find a new insurer willing to take on the increased risk, often at a much higher price.
California law requires drivers convicted of a DUI to file an SR-22 form—a certificate of financial responsibility—with the DMV. This form proves you carry the state’s minimum required liability insurance. Not all insurers offer SR-22 filings, so you may need to switch providers. The SR-22 requirement typically lasts for three years after a DUI.
Insurance companies base their rates on risk. A DUI conviction indicates to insurers that you’re more likely to be involved in future accidents or claims. This increased risk is reflected in your premiums. Here are some additional factors that can influence your rates:
Severity of the offense: Multiple DUIs or accidents involving injury or property damage can result in even higher premiums.
Age and driving history: Younger drivers or those with previous violations will see steeper increases.
Coverage choices: Comprehensive or collision coverage will cost more after a DUI, as will higher liability limits.
In California, a DUI stays on your driving record for 10 years. During this period, insurance companies will factor the conviction into your rates. However, the most significant premium increases usually occur in the first three to five years after the incident. As time passes and you maintain a clean record, your rates may gradually decrease.
If you’ve been convicted of a DUI, here’s how to manage the impact on your car insurance:
Letting your insurance lapse can make it even harder and more expensive to get coverage. Always keep your policy active, even if you’re not driving for a period.
Some insurers offer discounts for completing an approved defensive driving or DUI education program. It won’t erase your DUI, but it might help lower your premiums.
Avoid additional violations and claims. Over time, a clean record will help reduce your rates.
An experienced agent like those at CF&P Insurance can guide you through the SR-22 process, answer your questions, and help you find affordable car insurance after DUI.
We understand that everyone makes mistakes. Our mission is to help you move forward with the right coverage at the best possible price. Whether you need an SR-22 filing, want to compare quotes, or simply need advice, our team is here for you.
Ready to get back on the road? Contact CF&P Insurance for a free, confidential consultation and quote for your car insurance after DUI. You can also call us directly at (925) 956-7700.
Premiums typically increase by 50% to 150% after a DUI, but the exact amount depends on your insurer, driving history, and other factors.
A DUI stays on your California driving record for 10 years, but the most significant impact on your rates usually lasts three to five years.
An SR-22 is a certificate of financial responsibility required by the DMV after a DUI. It proves you have the minimum required insurance coverage. Most drivers need to maintain an SR-22 for three years after a DUI.
Yes, but it may be more expensive and require an SR-22 filing. Working with an independent agency like CF&P Insurance can help you find competitive options.
CF&P Insurance has helped California drivers since 1937. We’re here to help you navigate the challenges of car insurance after DUI and get you back on the road with confidence.
