Q: How does a DUI conviction impact my car insurance?

A:

A DUI conviction can have significant repercussions on your car insurance in California. Upon conviction, you are likely to face increased insurance premiums as insurance companies consider DUI offenders to be high-risk drivers. This could mean an increase in your rates by as much as 20% to 100% or more, depending on the severity of the offense and your insurance provider’s policies.

In addition to higher premiums, many insurance companies may choose to non-renew your policy following a DUI conviction. This means that not only could you end up paying more, but you may also need to seek coverage from other insurers, some of which specialize in insuring drivers considered high-risk after DUI offenses. This could limit your options and potentially lead to further elevated costs.

Moreover, California law requires that if your license is suspended due to a DUI, you will need to provide proof of financial responsibility, typically through an SR-22 form, once you are eligible to reinstate your driving privileges. This document verifies that you maintain the required minimum amount of insurance coverage. Obtaining an SR-22 can also contribute to further increases in your insurance rates, as it indicates to insurers that you have a history that may lead to higher likelihood of future claims.

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