How Long Does a DUI Affect Your Insurance Rates

DUI Insurance in San Diego CA

Driving under the influence not only puts the lives of the driver, passenger(s) and others on the road in danger, it can have serious financial consequences. Along with a hefty fine that can cost up to $16,000 in California for a first time offender over the age of 21, drivers could also see an increase in their insurance rates that could vary between 20 and 30 percent, for up to three years.

If you have recently been cited for a DUI in San Diego, it’s important to be aware of the various conditions and consequences for the violation.

Informing Your San Diego Insurance Provider

Although drivers are not required to inform their San Diego auto insurance providers for DUI arrests unless they are required to obtain SR 22 coverage (which is described in more detail below), a DUI conviction will remain on a driver’s record for ten years. Because the DUI will be on record, insurance agencies will be able to see the arrest should they run a check for your DMV record. This likely happens every time your policy is up for renewal or when you are looking for new coverage.

SR22 Insurance Coverage

Drivers with DUI convictions are required to purchase SR22 certificates. These certificates indicate that the driver is considered a high-risk driver, and he or she has sufficient liability coverage to satisfy state laws. These certificates are usually required for a period of 3 years, but they can be issued for less time. Click here if you are looking for affordable SR22 insurance in San Diego.

Circumstances Governing Rate Increases

Insurance providers consider age, gender, driving records and other factors in determining rate increases for DUI convictions. Although the rate increase is usually effective for 3 years, the driver will not be eligible for any discounts during the 10 year period where the DUI is still visible on the driver’s record.

Shopping for Better Deals

If you are looking for a new and trusted San Diego auto insurance agency after a DUI, reach out to American Tri-Star Insurance. We understand that mistakes happen and our experienced auto insurance brokers can help you find cheap car insurance in San Diego. Call 619-325-0326 today and get a free, instant quote.