If you have a DUI conviction on your record, it’s important to know what that entails when it comes to your California auto insurance policy. Aside from your car insurance rate increasing by up to 165%, there might be other lasting effects that can impact your insurance.

Here’s everything you need to know about California auto insurance with DUI convictions:

Factors Insurance Companies Take Into Consideration

Many companies won’t insure a driver after a DUI, so finding affordable DUI insurance can be a challenge, although possible.

You already know how much a DUI can affect the price of your policy, but what other factors do insurance companies look at? License suspensions are flagged as an obvious high risk, but there are other determinants when it comes to premiums. Your gender, age, driving history, annual mileage driven, driving experience and residence are all taken into consideration— your insurance prices will vary with those circumstances in addition to a DUI conviction. If you have a clean driving record and no accidents, your rate likely won’t increase other than a company rate increase.

How Long Does a DUI Affect Your California Auto Insurance?

Most carriers will begin reducing rates 1-3 years after your DUI conviction, although in California a DUI will stay on your driving record for 10 years. Depending on your insurance company, it could take 7-10 years to see any notable decreases in price.  Add any other motor vehicle citations or accidents on your driving record, and your premiums triple.  You can begin looking for new insurance that might lower your rate as early as the conviction goes on your record.

The Best Place to Look for DUI Auto Insurance

NHC Insurance Services compares numerous policies from highly-rated California insurance providers to provide the best insurance tailored specifically to you. If you’re looking for your California auto insurance policy to give you the best rates despite a DUI conviction, we can help.

Contact us to learn more.