How long does a dui on your record affect your car insurance in California?

Is it 5, 7 or10 years and will my rate go down 5 years after my DUI anniversary?

Each insurance company has its own policy regarding the rates it charges. The look back period for a DUI is 10 years, it will remain visible for 10 years, some insurance companies will use a DUI up to 10 years to set the applicable rate. I encourage you to shop around, my experience has been that many insurance companies will charge the most money during the SR-22 period (first 3 years after the conviction or APS loss) and then gradually reduce your rates over the next few years, usually by year five rates have returned to pre-DUI levels…but not every insurance company works in this fashion. You should call around, your rates may be higher than other companies would charge for a driver with your driving history.

2 Responses to “How long does a dui on your record affect your car insurance in California?”

  • Entidtil says:

    It will make your rates skyrocket. (If you can find an insurer in the first place )

    Ask your insurance company when/if the DUI will be removed. Not all companies have the same rules
    References :

  • Kapsack & Bair - DUI Lawyers says:

    Each insurance company has its own policy regarding the rates it charges. The look back period for a DUI is 10 years, it will remain visible for 10 years, some insurance companies will use a DUI up to 10 years to set the applicable rate. I encourage you to shop around, my experience has been that many insurance companies will charge the most money during the SR-22 period (first 3 years after the conviction or APS loss) and then gradually reduce your rates over the next few years, usually by year five rates have returned to pre-DUI levels…but not every insurance company works in this fashion. You should call around, your rates may be higher than other companies would charge for a driver with your driving history.
    References :
    15 years DUI Defense, http://www.kandblaw.com

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