A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In California, a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. California law requires drivers convicted of a DUI to obtain an SR-22 form from their insurance company, which is a certificate of financial responsibility proving that the driver has the minimum level of insurance coverage required by state law. This form must be filed with the California Department of Motor Vehicles (DMV). Due to the increased risk associated with insuring a driver who has a DUI conviction, insurance companies often raise premiums significantly, sometimes by an average of 80% or more. Multiple DUI/DWI convictions can further complicate the situation, making it even more challenging for drivers to find affordable insurance. Some insurers may refuse to provide coverage altogether for drivers with multiple offenses, which can make it difficult to legally operate a vehicle, as California law requires all drivers to carry a certain amount of liability insurance.