DUI Car Insurance in California (2025)

Drivers in California with a DUI pay an average of $251 per month for car insurance.

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Cheapest recent rates in California for drivers with a DUI

Drivers in and around California have found policies from Bristol West, State Farm, Allstate, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from California within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from California within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • Más de 10 años escribiendo sobre seguros y finanzas personales

  • Ex editora asociada de finanzas de Investopedia

Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.

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Drivers in California with a DUI pay an average of $150 per month for liability insurance. The cheapest monthly rate for liability coverage in California is $98.

You’ll typically pay more for car insurance if you have driving infractions on your record, especially for DUI convictions. California drivers with a clean record pay an average of $101 for state-minimum car insurance coverage.

Here’s what you should know about how a DUI can affect your car insurance rates in California.

Quick Facts
  • Having a DUI conviction can make it harder to secure car insurance because auto insurers will view you as a higher risk on the road.

  • You’ll need to file an SR-22 form with the California DMV to prove you have adequate car insurance coverage if you’ve received a DUI conviction.

  • A DUI stays on your driving record for 10 years in California.[1]

Cheapest car insurance quotes after a DUI in California

Since different car insurance companies offer different rates, it’s important to compare multiple car insurance quotes. This is true whether you have a clean record, a speeding ticket, an at-fault accident, or a DUI conviction. But Mile Auto generally offers the cheapest coverage for California drivers with a DUI, according to Insurify data.

Here’s a look at average liability insurance rates by company.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote: Liability Only
sort ascsort desc
Mile Auto$98
USAA$133
Root$143
National General$155
Sun Coast$155
Anchor$157
Mercury$158
Dairyland$174
Direct Auto$175
Allstate$183
Farmers$187
State Farm$203
Travelers$214
Bristol West$225
21st Century$232
Nationwide$287
Chubb$363
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find California Car Insurance

Monthly liability rates start at $98 for drivers with a DUI

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How a DUI affects car insurance rates in California

If you have a DUI conviction in California, you’ll likely pay higher car insurance rates than if you had a clean record. The same is true for drivers outside of California — insurance companies will view you as a higher risk no matter where you live.

Below, you can compare the average cost of liability-only car insurance for California drivers with clean records and drivers with DUIs.

 
With DUI
Without DUI
Average California driver$150$101
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get car insurance with a DUI in California

Getting car insurance in California with a clean record is much simpler than getting it with a DUI conviction, which stays on your record for 10 years. Insurance companies will view you as a high-risk driver if you have a DUI on your driving record. That said, finding coverage isn’t impossible.

Follow these steps for finding car insurance with a DUI:

  • illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    1. Shop around

    Compare car insurance options for high-risk drivers and get quotes.

  • illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    2. Look for discounts

    Determine if the car insurance companies you’re considering offer any discounts that might apply to your situation.

  • illustration card https://a.storyblok.com/f/162273/150x150/42122774e9/contact-us-96x96-orange_039-click.svg

    3. Buy coverage

    Choose coverage that meets your needs, and buy a policy online or over the phone.

  • illustration card https://a.storyblok.com/f/162273/100x100/4d03c561b5/declaration-page.svg

    4. File an SR-22 form

    Request that your insurance company file an SR-22 with the DMV on your behalf.

DUI laws in California

If you have a DUI in California, the charge will stay on your driving record for 10 years. You’ll also likely need an SR-22 form to reinstate your driving privileges. An SR-22 serves as proof that you have at least the state-minimum car insurance for California.

The consequences of a DUI conviction in California include license suspension. The duration of your suspension varies depending on whether you took a chemical test at the time of your arrest. Your age also plays a role. Drivers younger than 21 face harsher license suspension penalties for first offenses than older drivers.

For instance, if you’re older than 21 and it’s your first DUI offense, you’ll likely get a four-month license suspension, but a second offense within 10 years will result in a one-year suspension. If you have three DUIs in 10 years, you’ll face a three-year license revocation.

You may also need to install an ignition interlock device in your car and pay a $125 fee to reinstate your license after suspension.[2]

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Minimum car insurance requirements in California

All California drivers need to meet the state’s minimum car insurance requirements. You’ll need to buy the following insurance coverages:

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$15,000 per accident

DUI car insurance in California FAQs

The following information can help answer your remaining questions about finding California car insurance with a DUI.

  • What is the cheapest car insurance company in California after a DUI?

    The cheapest car insurance company in California after a DUI is Mile Auto. Drivers pay an average of $98 for liability insurance from Mile Auto.

  • How long will a DUI affect your car insurance premium?

    In some states, a DUI will stay on your record for only a few years. But if you have a DUI in California, it’ll stay on your driving record for 10 years. So it could affect your insurance rates for a decade, though your insurer may reduce your rates sooner than that.

  • How much is DUI insurance in California?

    The cost of DUI insurance in California depends on several factors, including the rest of your driving record, your age, gender, location, and more. But California drivers with a DUI pay an average of $150 per month for liability car insurance and $353 for full coverage.

  • How long do you need an SR-22 after a DUI in California?

    You’ll typically need an SR-22 for three years after a DUI, though specifics may vary based on your situation. An SR-22 form proves you meet California’s minimum requirements for auto insurance coverage. But the exact time frame may vary depending on your past driving history.

  • How much does your insurance go up after a DUI?

    Your car insurance will increase fairly significantly after a DUI, according to Insurify data. California drivers with a DUI pay $251 per month overall, while drivers with a clean record pay $169 per month.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Sources

  1. California Public Law. "CA Veh Code Section 1808."
  2. California Department of Motor Vehicles. "Driving Under the Influence (DUI)."
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Jess has been a contributor at Insurify since September 2022.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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