A DUI affects insurance in California for 10 years. During that period, drivers convicted of DUI cannot qualify for the 20% good driver discount offered by every insurance company in the state. Regardless of how your insurance company calculates premiums after DUI, they cannot legally offer you the discount until 10 years after the date of arrest.
On average, a DUI raises insurance rates in California by about 165%. Although the initial increase is dramatic, most insurance companies will start to lower rates after 3-5 years. At that point, your insurer will no longer take the DUI into consideration when calculating your premium, but you still won’t qualify for the good driver discount. After 10 years, a DUI in California will fall off of your driving record completely.
Every insurance company has its own way of calculating premiums after a DUI, so if you suddenly can’t afford your rate, you should start shopping around for a cheaper policy. In California, the cheapest car insurance companies after a DUI are Mercury, Infinity and Geico. These insurers will also provide drivers with an SR-22, which is an insurance verification form that California requires from drivers convicted of DUI.
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