Q: How long will the DUI conviction affect my insurance rates?

A:

A DUI conviction in California can significantly impact your insurance rates for several years. Typically, insurance companies may raise your rates for three to five years following a DUI conviction. However, the specific duration for which your rates will be affected can vary depending on the insurance provider and your overall driving record.

California law mandates that insurers must consider driving records when determining premiums. Consequently, insurance companies may view a DUI as a major red flag, leading them to charge higher rates during the period that the DUI remains on your record. The conviction can lead to higher premiums or even the possibility of being denied coverage by some insurers.

It’s also essential to note that after a certain period, which can be around ten years, the DUI may no longer influence your insurance rates, but this timeline can vary based on the state and the insurance company’s policies. Always consult with your insurance provider for specific details related to your case and how long they will consider the DUI when calculating your rates.

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