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Auto Insurance After a DUI in California

DUI and Car Insurance: What Happens Next?

Insurance industry’s answers to questions about the effects of a drunk driving conviction on insurance rates now and in the future.

The Immediate Impact

  1. Insurance Premiums Surge: After a DUI conviction, it's common for auto insurance premiums to skyrocket. Insurance providers typically view DUI offenses as high-risk behavior, leading to increased rates.
  2. SR-22 Requirement: In California, a DUI conviction often triggers the need for an SR-22 form—a certificate of financial responsibility. This document is filed by your insurance company with the Department of Motor Vehicles (DMV) to demonstrate that you carry the state-mandated minimum liability insurance.

Navigating the SR-22 Process

  1. Selecting an Insurance Provider: Not all insurance companies offer SR-22 filings, and some may discontinue coverage after a DUI. It's crucial to find an insurer willing to provide the necessary coverage with an SR-22 filing.
  2. SR-22 Costs: In addition to increased premiums, there are costs associated with filing an SR-22. These expenses contribute to the overall financial impact of a DUI conviction.

Seeking Financial Relief

Even with a DUI on your record, it's advisable to shop around for competitive rates. Different insurers may assess DUI convictions differently, and some may offer more favorable terms.

Completing court-mandated or voluntary DUI education programs can sometimes result in insurance discounts. These programs demonstrate a commitment to responsible driving and may be viewed favorably by insurance providers.

Long-Term Considerations

DUI convictions can affect your ability to secure coverage for an extended period. While rates may decrease over time, the incident remains on your record, influencing insurance decisions.

In some cases, individuals with a DUI conviction may need to explore non-standard or high-risk insurance providers. These insurers specialize in covering high-risk drivers but often come with higher premiums.

Contact Our California DUI Attorneys

While a DUI conviction undoubtedly presents challenges in obtaining affordable auto insurance, proactive steps and a commitment to responsible driving can pave the way to recovery. Exploring options, seeking professional advice, and demonstrating a commitment to safe driving are essential elements in regaining financial stability and moving forward after a DUI in California.

To learn more about car insurance after a DUI, call (562) 330-4173 or fill out our online contact form today to speak to our DUI lawyer near you.

FAQ

Q1: How long will a DUI impact my car insurance rates in California?

A: The impact of a DUI on your car insurance rates in California can last for several years. While specific timelines may vary, DUI convictions typically influence premium rates for at least three to five years, and the incident remains on your driving record for ten years.

Q2: Can I still get car insurance after a DUI in California?

A: Yes, you can still get car insurance after a DUI in California. However, it may be more challenging to secure coverage from standard insurance providers. High-risk or non-standard insurance companies often specialize in covering individuals with a DUI on their record but may come with higher premiums.

 

Q3: Can I switch insurance providers after a DUI?

A: Yes, you can switch insurance providers after a DUI. However, it's crucial to disclose the DUI conviction when seeking new coverage. Some insurers may be more lenient than others, and shopping around for competitive rates is advisable to find an insurer willing to provide coverage at reasonable terms.

Q4: Are there special insurance programs for individuals with a DUI in California?

A: Yes, there are special insurance programs for high-risk drivers, including those with a DUI in California. High-risk or non-standard insurance providers may offer coverage, but premiums are typically higher. It's essential to explore options and choose an insurer that suits your needs and budget.

 

Q5: Can I remove a DUI from my driving record in California?

A: No, you cannot remove a DUI conviction from your driving record in California. DUI convictions remain on your record for ten years and are visible to insurance companies during this period.

 

 
 

You Should Know

Follow the links below for additional crucial information
  • 12 Things Your Auto insurance Agent Knows That You Don't

    Article about information insurance companies have access to and standards used for assessing a risk score.

  • CAARP

    Explanation of the California Automobile Assigned Risk Plan.

  • How a DUI Conviction Affects Your Insurance

    Information on a national level from the insurance industry.

  • Car Insurance After a DUI

    A guide to finding car insurance after a DUI conviction, including how to avoid mistakes that could raise your rates.

  • Breathe Easy Insurance Solutions

    California auto insurance agency specializing in affordable insurance for drivers facing DUI charges or having DUI convictions, pending license suspension issues, SR-22 forms, etc.

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The Results of Our Cases Speak for Themselves Providing Hard-Hitting Criminal Defense
  • DUI & Hit-And-Run (.30%)

    Vista - 1-year jail, fine, license suspension.

    DUI Dismissed, Plea to Hit-and-Run (Fine)
  • 2nd Offense DUI At High Speed

    Ventura - 1-year jail, fine, loss of license.

    Charges Dismissed
  • Drunk Driving w/ Drugs

    Glendale - 6 months jail, fine, license suspension.

    Charges Dismissed
  • Felony DUI w/ Injury

    Rancho Cucamonga - 18 months prison, loss of license.

    Reduced to Misdemeanor DUI (fine, no jail)
  • Drunk Driving

    Los Angeles - 6 months jail, fine, license suspension

    Reduced to Exhibition of Speed (fine)

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