You can still get car insurance after a second DUI in California, but fewer companies will accept you and rates are higher. You’ll typically need an SR-22 to reinstate or restrict your license, and in most cases an ignition interlock device (IID) to drive during your suspension. A broker who works with high-risk insurance companies is usually the fastest way to get covered.
What the DMV usually requires after a second DUI
A second DUI within 10 years brings stricter requirements than a first offense. Your DMV notice lists your exact steps, which commonly include:
- A longer license suspension than a first DUI
- A longer DUI program (an 18-month program is typical for a second offense)
- An ignition interlock device to drive on a restricted license
- An SR-22 kept on file with the DMV, usually for three years
See our guides to California interlock requirements and reinstating your license with an SR-22.
Will insurance companies still cover me?
Yes. Many standard companies won’t, but several companies specialize in high-risk drivers and accept repeat DUIs. MIS works with companies such as Progressive Drive, Aspire General, National General, Bristol West, Kemper, The General, Anchor General and Dairyland, and we know which ones are most likely to accept your record.
Tips for getting covered after a second DUI
- Be upfront on your application. Insurance companies check your driving record, and leaving out a DUI can get your policy canceled.
- Get a non-owner policy if you don’t have a car. It satisfies the SR-22 requirement for less.
- Don’t let coverage lapse. A lapse is reported to the DMV and can restart your problems.
- Compare several companies. After a second DUI, prices between companies can be far apart.
Frequently Asked Questions
Can I get insurance after two DUIs in California?
Yes. Fewer companies will accept you, but high-risk insurance companies do insure drivers with two DUIs. A broker can compare them for you.
Do I need an interlock device after a second DUI?
In most cases you need an IID to drive on a restricted license after a second DUI. Your DMV notice will confirm your requirement.
How long do I need an SR-22 after a second DUI?
Usually three years from reinstatement, but follow the end date the DMV gives you.
Will a second DUI cancel my current policy?
It may. Many companies non-renew after a second DUI. If that happens, call us before your policy ends so you have no gap.
Let MIS Shop the Market for You
You shouldn’t have to spend your day calling insurance companies and comparing quotes. At MIS, our licensed agents shop the market for you. Our state-of-the-art quoting system compares dozens of insurance companies in a matter of minutes, including Progressive Drive, Aspire General, National General, Bristol West, Kemper, The General, Anchor General and Dairyland, and your agent shows you the lowest rate available for your record. That’s why so many of our 3,100+ Google reviewers talk about how much they saved.
Call (800) 726-0640 or get your quote online. MIS Insurance Services is an independent insurance broker in Culver City, California, licensed by the California Department of Insurance, serving drivers since 2009.
This article is general information, not legal advice. Your DMV notice and court papers list your exact requirements.