DUI Insurance in California
SR-22 As Low As $10/month
Car, motorcycle and non-owner insurance after a DUI. Prices vary.
Instant Certificate, Same-Day Filing
Insurance After a DUI in California
A DUI does not end your insurance options in California. It changes which companies will take you and what they charge. MIS Insurance Services has insured drivers after a DUI since 2009. We work with dozens of insurance companies, including the ones that specialize in DUI drivers, and the answer is yes: we have a market for you and we can get you a quote.
Use the quote form on this page, or call (800) 726-0640. If the SR-22 is all you need, you can buy it online in about 3 minutes.
What “DUI Insurance” Means
No policy is actually called DUI insurance. It is regular auto insurance from a company that accepts a DUI on your record, usually with an SR-22 attached. The SR-22 is the certificate the DMV asks for before it gives your license back. Our California SR-22 insurance page explains the filing.
What Changes After a DUI in California
- Your current company may raise your rate sharply at renewal, or decide not to renew you.
- You lose California’s Good Driver Discount. State law takes it away for 10 years after a DUI.
- The DUI stays on your driving record for 10 years.
- The DMV wants an SR-22 before it reinstates your license, and you keep it for about three years.
None of this means you cannot be insured. It means you need a company that prices DUI drivers fairly, and those are the companies we deal with every day.
What Does DUI Insurance Cost in California?
SR-22 insurance at MIS starts as low as $10 a month in California. Prices vary. Your price depends on whether this is your first DUI, how long ago it happened, what else is on your record, and whether you are insuring a vehicle. We shop dozens of insurance companies and come back with an exact number.
Ways to keep the price down:
- Insure only what you need. A non-owner policy costs less than insuring a car you do not have.
- Keep the policy active with no gaps. A lapse means new trouble with the DMV and a higher price later.
- Finish your DUI program on time.
- Ask us to shop your policy again each year. The price usually improves as the DUI gets older.
With a Car, a Motorcycle or No Car
If you own a car
We write your auto insurance with the SR-22 attached and file it with the DMV. You choose liability only or full coverage. California’s minimum is $30,000 per person, $60,000 per accident and $15,000 for property damage.
If you ride a motorcycle
In most cases we can insure a motorcycle after a DUI and file your SR-22 as well. Motorcycle insurance at MIS starts as low as $9 a month. Prices vary. Let us know if you drive a car too, since the SR-22 is set up differently when you do. See motorcycle insurance.
If you do not own a car
You still need the SR-22 to get your license back. A non-owner policy gives you the SR-22 with no vehicle on it, and it is usually the lowest-cost way to satisfy the DMV. See California non-owner SR-22 insurance.
How Long Does a DUI Affect Your Insurance?
Plan on about three years for the SR-22 and 10 years for the Good Driver Discount. The price usually drops in steps along the way: once when the SR-22 requirement ends, and again as the DUI ages. We re-shop it for you each time.
How to Get Insured After a DUI
- Send the quote form or call (800) 726-0640. Tell us about the DUI and anything else on your record.
- We compare the insurance companies that accept DUI drivers and give you a price.
- You pay and receive your SR-22 certificate instantly.
- We file the SR-22 with the DMV electronically the same day.
- You finish the rest of the DMV’s list, such as the reissue fee and your DUI program. See what happens after a DUI suspension ends in California.
California DUI Insurance Questions and Answers
Can I get car insurance after a DUI in California?
Yes. Drivers with a DUI are who we insure every day, and we can get you a quote.
What is DUI insurance called?
It is regular auto insurance with an SR-22 certificate attached. Some people call it SR-22 insurance or high-risk insurance.
Do I need an SR-22 after a DUI in California?
In most cases, yes. The DMV asks for it before it reinstates or restricts your license. We file it for you the same day.
How much is insurance after a DUI in California?
It depends on your record and what you are insuring. SR-22 insurance at MIS starts as low as $10 a month. Prices vary.
How long does a DUI stay on my insurance in California?
A DUI stays on your California driving record for 10 years, and you cannot get the Good Driver Discount during that time.
Will my insurance company drop me after a DUI?
Some companies will not renew a driver with a DUI, and others raise the rate. If you get that letter, call us right away so there is no gap in your coverage.
Can I get insurance after a second DUI?
Yes. We have a market for drivers with more than one DUI.
Can I get motorcycle insurance with a DUI?
Yes, in most cases. We insure the motorcycle and file your SR-22 for you.
I don’t own a car. Can I still get DUI insurance?
Yes. A non-owner SR-22 policy covers you and satisfies the DMV without a vehicle.
Should I tell an insurance company about my DUI?
Yes. Be upfront about it on the application. The company will see the DUI on your driving record, and leaving it off can get a policy canceled.
How fast can I get covered after a DUI?
In most cases the same day. You get your SR-22 certificate instantly, and we file it with the DMV the same day.
DUI Insurance in Other States
We also insure drivers after a DUI or DWI in Texas, Arizona and Colorado.
MIS Insurance Services is a licensed California insurance agency (#0G55496) in Culver City, with more than 3,000 Google reviews and a 4.9-star rating.
This page is general information, not legal advice. Confirm your own requirements with the DMV.
Serving Every County in California
We insure drivers after a DUI anywhere in California, including:
Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Irvine, Chula Vista, Fremont, San Bernardino, Modesto, Fontana, Oxnard, Glendale, Culver City, and more.