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Cheap DUI Car Insurance in California (With Quotes)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Charlie Mitchell

By: Charlie Mitchell

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated September 23, 2022

Best DUI Insurance Companies in California (2022)

For drivers with a DUI or DWI offense in California, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in California. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in California.

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Freedom National$153
SafeAuto$175
Anchor$181
Kemper$205
Aspire General Insurance$209
Mercury$216
Workmen's$222
Bristol West$223
Sun Coast General Insurance Agency, Inc.$242
National General$244

DUI Car Insurance Costs in California

In California, a DUI or DWI offense will on average have drivers paying $555 per month and $6,660 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 136% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$235
Avg. Monthly Cost - After DUI
$555
$320 ▴
136.17% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

How Much Does a DUI Impact Car Insurance Rates in California?

Having a DUI violation can significantly impact how much you pay a month for auto insurance. Insurance companies in California quote drivers with DUI incidents an average rate of $555. On average that is 1356% percent more than the $235 that motorists with no incidents pay a month. One reason for the large increase is due to the assumed risk that comes with insuring drivers with DUI violations.

Although rates differ by $320 between drivers with a DUI and those without, the increase doesn’t last forever. Many insurers will take into consideration how long ago your violation was and if you have had any other incidents since the first DUI.

No Violation - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.After DUI - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.Average Percent Increase After DUI
$235$555136.17%

What Are the Average Car Insurance Prices After a DUI in California?

California currently ranks as the 9th most expensive state for auto insurance when you have a DUI. In New York, premiums for drivers after a DUI average out to $554, making it one of the most costly states for drivers with a DUI. However, drivers with multiple DUI incidents will see their rates increase to double or even triple the current average rates throughout the state.

California After DUI Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.Most Expensive State for DUI (1-50)
$5559th

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How Long Is the Lookback Period for a DUI in California?

The consequences of a DUI reach far beyond increased car insurance rates, as California’s lookback period for such an offense is 10 years. This means that a DUI will stay on a person’s driving and criminal record for a decade from the date of the violation.

Repeat DUIs within this lookback period will result in increasingly steeper fines and penalties, making it even more crucial for drivers to engage in safe habits behind the wheel. After 10 years, a motorist convicted of a DUI will be treated as a first-time offender.

California DUI Penalties

Being charged with a DUI in California can carry heavy penalties. First-time offenders may face up to six months in county jail and will be fined anywhere from $390 to $1,000. They may have to install an ignition interlock device in their vehicle and use it for six months, and could be required to attend DUI school for three to nine months.
Having multiple DUI violations will result in even more severe penalties, including jail time, fines, and license revocation. License suspension for repeat offenders is also a possibility.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - California Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county California. Insurify analyzed the latest data for the five most populous cities in California to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in California and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Charlie Mitchell
Charlie Mitchell
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Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

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