California DUI Insurance Guide (2025)
A DUI conviction in California will significantly impact your insurance rates. Learn how to find affordable coverage and get your license reinstated.
How a DUI Affects Your Insurance
A DUI in California increases your insurance rates by an average of 93%. You'll need SR-22 for 3 years, lose your Good Driver Discount for 10 years, and pay $85-$136/month on average. Your current carrier may cancel your policy.
California DUI Insurance Impact (2025 Statistics)
- Rate increase: 93% average ($1,800+ per year)
- Good Driver Discount lost: 10 years (20% discount gone)
- SR-22 requirement: 3 years mandatory filing
- Lowest DUI rates: Mercury ($85/mo), GEICO ($92/mo)
Key Takeaway
While rates increase significantly, comparing quotes from DUI-friendly carriers can save you $50+/month. Don't accept the first quote—shop around.
Rate Increase
Expect rates to jump by 93% on average.
Policy Cancellation
Your current carrier may drop you.
SR-22 Filing
Required for 3 years to drive.
Cheapest Car Insurance After a DUI
While rates will go up, some companies are more "DUI-friendly" than others. Comparing quotes is essential.
| Company | Avg. Monthly Rate (Post-DUI) | Savings vs Avg |
|---|---|---|
| Mercury | $85 | -25% |
| GEICO | $92 | -15% |
| National General | $105 | -8% |
| Progressive | $136 | Average |
California DUI Penalties (1st Offense)
- Fines$390 to $1,000 plus penalty assessments (often totaling $2,000+)
- JailUp to 6 months in county jail (often 48 hours to 10 days)
- License6-month suspension (can get restricted license with IID)
- Classes3, 6, or 9 months of DUI school
DUI Insurance FAQ
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