How does a DUI affect my insurance rates?

A DUI can have a major impact on your insurance rates in California. To start with, your insurance company may decide to drop you, making it difficult and expensive to obtain coverage from another company. Even if the insurer does not drop you, the rates will increase substantially due to the increased risk associated with the DUI conviction. Insurers pay close attention to driving records and convictions, and a DUI may cause your rates to more than double for as long as three to five years. Your insurer may also require a higher deductible and place a surcharge on your policy for the entire duration of your policy. It is important to keep your record clean and avoid DUI convictions because of the long-term effect on your insurance rates. A DUI is a serious criminal offense and can have major life consequences. If you are convicted, the best thing you can do is to work hard to avoid a repeat offense and rebuild a good driving record. There are various programs such as DUI school and drug and alcohol classes you can take to help demonstrate that you are taking your DUI seriously and working to improve your driving.

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How does a DUI affect my insurance rates?

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